P r e p a i d E x p e n s e
Laporan Tahunan 2009 Annual Report
285
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
1 4 2 .
S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d r .
I n c o m e o n C o m m is s io n s a n d F e e s
S ig n ific a n t fe e s a n d c o m m is s io n s w h ic h a r e d ir e c t ly re la te d to t h e g ra n t in g o f lo a n s o r fo r s p e c ifie d y e a r s a re d e fe r r e d a n d a m o r t iz e d b a s e d o n th e s t r a ig h t lin e m e t h o d o v e r th e r e s p e c t iv e y e a r s . T h e
u n a m o r t iz e d b a la n c e o f fe e s a n d c o m m is s io n s r e la t in g t o lo a n s th a t is s e t t le d p r io r to m a t u r ity is r e c o g n iz e d a s in c o m e a t s e t t le m e n t. F e e s a n d c o m m is s io n s w h ic h a re in d ir e c t ly re la t e d to th e
g r a n tin g o f lo a n s o r n o t f o r s p e c i f i e d y e a r s a re re c o r d e d a s in c o m e u p o n e x e c u tio n o f th e t r a n s a c tio n s .
s . F o r e ig n C u r r e n c y T r a n s a c t io n a n d B a la n c e
T r a n s a c t io n d e n o m in a t e d in fo r e ig n c u r r e n c y a r e c o n v e r t e d in t o R u p i a h a t t h e e x c h a n g e r a t e p re v a ilin g a t th e d a t e o f t r a n s a c t io n . A t t h e b a la n c e s h e e t d a te , m o n e ta ry a s s e ts a n d lia b ilit ie s
d e n o m in a te d in fo r e ig n cu rr e n c ie s a r e a d ju s t e d to R u p ia h b a se d o n th e R e u t e r s s p o t ra t e a s o f 4 :0 0 p .m . E x ch a n g e g a in s o r lo s s e s a ris in g o n tr a n s a c t io n s in fo r e ig n cu rr e n c ie s a n d o n t h e
t r a n s la tio n o f fo re ig n c u r r e n c y m o n e ta ry a s s e ts a n d lia b ilit ie s a r e r e c o g n iz e d in th e c o n s o lid a t e d s ta t e m e n t o f in c o m e , e x c e p t w h e n d e f e r r e d in e q u it y a s q u a lify in g c a s h flo w h e d g e s .
T r a n s la t io n d iffe r e n c e s o n d e b t s e c u r itie s a n d o t h e r m o n e t a r y fin a n c ia l a s s e t s m e a s u r e d a t fa ir v a lu e a r e in c l u d e d in fo r e ig n e x c h a n g e g a in s a n d lo s s e s . T r a n s l a t io n d iffe r e n c e s o n n o n - m o n e t a r y
it e m s s u c h a s e q u it ie s h e ld fo r t r a d in g a r e re p o r te d a s p a r t o f th e fa ir v a lu e g a in o r lo s s . T r a n s la t io n d iffe r e n c e s o n a v a ila b le fo r s a le e q u it ie s a r e in c lu d e d in th e u n r e a l iz e d g a in s lo s s e s
fro m ch a n g e in fa ir va lu e o f a v a ila b le fo r sa le m a rk e ta b le se c u ritie s in e q u ity . O n D e ce m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , th e e x c h a n g e ra te s u s e d w e re :
2 0 0 9 2 0 0 8
P o u n d s t e r lin g 1 5 ,1 6 4 .9 4
1 5 ,7 5 5 .4 2 E u r o
1 3 ,5 4 2 .4 3 1 5 ,3 5 6 .4 8
U n it e d S ta t e s D o lla r 9 ,3 9 5 .0 0
1 0 ,9 0 0 .0 0 S in g a p o re D o lla r
6 ,7 0 4 .4 9 7 ,5 8 7 .9 1
A u s tr a lia n D o lla r 8 ,4 5 3 .1 6
7 ,5 5 4 .2 6 H o n g k o n g D o lla r
1 ,2 1 1 .4 8 1 ,4 0 6 .4 4
J a p a n e s e Y e n 1 0 2 .1 9
1 2 0 .6 5
t . I n c o m e T a x e s
C u r r e n t ta x e x p e n s e is b a s e d o n t h e e s tim a t e d t a x a b le in c o m e fo r th e y e a r a n d c a lc u la t e d u s in g t h e e n a ct e d ta x ra te s . D e fe rr e d t a x a s s e ts a n d lia b ilit ie s a r e r e c o g n iz e d f o r te m p o r a ry d iffe re n c e s
b e t w e e n a s s e t s a n d lia b ilit ie s fo r th e p u r p o s e o f c o m m e rc ia l a n d fis c a l o n e a c h re p o rt in g d a t e . F u t u r e t a x b e n e fit s s u c h a s c a rr y fo rw a rd o f u n u s e d ta x lo s s e s a r e r e c o g n iz e d to t h e e x t e n t th a t
r e a liz a tio n o f s u c h b e n e fit is p r o b a b le . D e fe rr e d ta x a s s e ts a n d lia b ilit ie s a re m e a s u r e d b a s e d o n t h e t a x ra te s a r e e x p e c t e d to b e a p p lie d
t o t h e p e r io d w h e n th e a s s e ts a r e r e a liz e d o r w h e n th e lia b ilit ie s a r e s e tt le d b a s e d o n ta x ra te s a n d t a x la w th a t h a v e b e e n e n a c t e d o r e ffe c t iv e o n th e b a la n c e s h e e t d a te .
286
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
1 5 2 .
S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d
A m e n d m e n t s to t a x o b lig a t io n s a r e r e co rd e d w h e n a n a s s e s s m e n t is re c e iv e d o r if a p p e a le d a g a in s t b y th e B a n k , w h e n th e r e s u lt s o f th e a p p e a l a r e d e t e rm in e d .
u . P e n s io n F u n d a n d E m p lo y e e B e n e f its P r o g r a m
P e n s io n F u n d
P e n s io n p la n is fu n d e d b y t h e B a n k a n d e m p lo y e e s ’ c o n t rib u t io n o f 3 9 a n d 5 o f th e e m p lo y e e s ’ m o n th ly s a la r ie s re s p e c t iv e ly . B a n k ’s c o n t r ib u tio n s m a d e a r e c h a rg e d to cu rr e n t s t a t e m e n t o f
in c o m e .
E m p lo y e e B e n e f it s P r o g r a m
T h e B a n k p r o v id e s e m p lo y e e d e fin e d b e n e fit s a c c o rd in g t o L a b o r L a w N o .1 3 2 0 0 3 . B a s e d o n P S A K N o .2 4 R e v is io n o f 2 0 0 4 , ”E m p lo y e e B e n e fit s ” , t h e lia b ilit y o f p a s t s e r v ic e c o s t is e s t im a t e d u s in g
P ro je c t e d U n it C re d it M e t h o d . N o fu n d in g o f b e n e fit s h a s b e e n a llo ca te d b y t h e B a n k in re g a rd s t o t h e e s t im a t e d lia b ilit y .
B a s e d o n P S A K N o . 2 4 R e v is io n o f 2 0 0 4 , t h e e m p lo y e e b e n e fit e x p e n s e is r e c o g n iz e d d i r e c t ly , e x c e p t fo r t h e a c t u a r ia l g a in lo s s a n d n o n v e s t e d p a s t s e r v i c e c o s t .
A c tu a r ia l g a in
o r l o s s e s
a r e re c o g n iz e d
a s in c o m e
o r e x p e n s e
w h e n th e
n e t c u m u la t iv e
u n re c o g n iz e d a c t u a r ia l g a in s o r lo s s e s a t t h e e n d o f p r e v io u s r e p o r t in g y e a r e x c e e d e d 1 0 o f th e p r e s e n t v a lu e o f th e d e fin e d b e n e fit o b lig a t io n a r e a m o r t iz e d u s in g s t r a ig h t lin e m e t h o d fo r th e
r e m a in in g w o r k i n g l i v e s . H o w e v e r , a c t u a r ia l g a in lo s s fr o m lia b ili t y u p o n e m p lo y e e s w h o a r e b e y o n d n o rm a l re tir e m e n t a g e b u t s t ill a c tiv e is re c o g n iz e d im m e d ia te ly s in c e t h e lia b ilit y is a lr e a d y
d u e . R e s e rv e s a r e a llo ca te d if b a s e d o n th e c o m p a r is o n o f re tu r n t h a t w ill b e r e c e iv e d b y t h e e m p lo y e e s
o n n o rm a l re t ir e m e n t a g e fr o m th e re t u r n in a c c o r d a n c e w it h th e L a w s , a ft e r s u b tr a c t e d fr o m a c c u m u la t io n fr o m e m p lo y e e c o n tr ib u tio n a n d r e t u rn o n re la t e d in v e s tm e n t s t ill in a d e q u a te . If th e
fu n d p o r t io n o f th e e m p lo y e r fr o m P e n s io n P r o g r a m re t u r n is in a d e q u a t e fr o m re t u r n re g u la t e d b y L a w s , th e n th e B a n k w ill c o v e r t h e r e m a in in g fu n d s .
v . N e t I n c o m e P e r S h a r e
N e t in c o m e p e r s h a r e is c o m p u te d b y d iv i d i n g n e t in c o m e w it h w e ig h te d a v e r a g e n u m b e r o f s h a r e s o u t s t a n d in g d u r in g t h e r e la t e d y e a r .
w . S e g m e n t I n f o r m a t io n
S e g m e n t in fo r m a t io n is p re p a r e d u s in g t h e a c c o u n t in g p o lic ie s a d o p te d fo r p re p a r in g a n d p r e s e n t in g t h e fin a n c i a l s ta t e m e n t s . T h e p r im a r y s e g m e n t in fo r m a t io n is b a s e d o n b u s in e s s
s e g m e n t s , B a n k a n d S h a r ia u n it . B a n k s ’ s lo c a t io n a r e o n ly in D K I J a k a r t a a r e a ; t h e r e fo r e , t h e r e is n o in fo r m a t io n p r e s e n t e d fo r g e o g r a p h i c a l s e g m e n t .
Laporan Tahunan 2009 Annual Report
287
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
1 6 2 .
S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d x .
U s e o f E s tim a t e s
T h e p re p a ra tio n o f fin a n c ia l s t a te m e n t s in c o n fo rm it y w it h a c c o u n t in g p rin c ip le s g e n e ra lly a c c e p t e d in In d o n e s ia r e q u i r e s t h e M a n a g e m e n t to m a k e e s t im a t e s a n d a s s u m p t io n s th a t a ffe c t th e
r e p o rt e d a m o u n t s o f a s s e ts a n d lia b ilit ie s a n d t h e d is c lo s u r e o f t h e c o n t in g e n t a s s e ts a n d lia b ilit ie s a t th e d a te o f th e fin a n c ia l s t a t e m e n ts a n d th e re p o r t e d a m o u n t s o f re v e n u e s a n d e x p e n s e s d u rin g
t h e r e p o r tin g p e r io d . A c t u a l re s u lt s c o u ld d iffe r fr o m th o s e e s t im a t e s .
3 . C A S H
2 0 0 9 2 0 0 8
R u p ia h 5 2 8 ,4 0 7 ,5 6 5 ,2 1 0
3 9 6 ,8 0 3 ,5 3 4 ,7 9 0 F o r e ig n c u r r e n c ie s :
U S D o lla r 7 7 8 ,5 6 3 ,6 5 0
5 8 8 ,6 0 0 ,0 0 0 E u ro
9 1 ,2 7 5 ,9 4 5 1 1 2 ,2 5 5 ,8 3 2
A u s t r a lia n D o lla r 1 3 ,0 6 0 ,1 2 4
6 4 ,1 7 3 ,4 3 9 S in g a p o re D o lla r
1 5 ,3 0 6 ,3 6 2 1 3 ,4 4 5 ,7 6 8
J a p a n e s e Y e n 5 ,1 0 9 ,5 0 0
6 ,0 3 2 ,2 5 0 P o u n d s t e r lin g
3 ,9 4 2 ,8 8 4 3 ,1 5 1 ,0 8 3
H o n g k o n g D o lla r - -
- - 9 0 7 ,2 5 8 ,4 6 5
7 8 7 ,6 5 8 ,3 7 2
T o t a l 5 2 9 ,3 1 4 ,8 2 3 ,6 7 5
3 9 7 ,5 9 1 ,1 9 3 ,1 6 2
T h e R u p ia h b a la n c e in c lu d e s th e c a s h a m o u n t in A T M ’s A u t o m a tic T e lle r M a c h in e s a s o f D e ce m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a m o u n t e d to R p 2 4 ,0 8 0 ,2 0 0 ,0 0 0 a n d R p 5 ,9 5 7 ,6 5 0 ,0 0 0 .
4 . C U R R E N T A C C O U N T S W I T H B A N K I N D O N E S I A
2 0 0 9 2 0 0 8
C u r r e n t a c c o u n t s R u p ia h
6 6 4 ,7 3 1 ,2 6 4 ,0 9 2 5 0 0 ,2 3 2 ,5 8 0 ,3 8 5
U S D o lla r 6 ,5 7 6 ,1 6 1 ,7 8 0
1 ,0 9 0 ,0 0 0 ,0 0 0
T o t a l 6 7 1 ,3 0 7 ,4 2 5 ,8 7 2
5 0 1 ,3 2 2 ,5 8 0 ,3 8 5
B a n k a r e r e q u ir e d to m a in t a in s t a tu t o ry re s e rv e s G W M in R u p ia h a m o u n t in g 5 a n d 1 in fo re ig n c u r r e n c ie s o f th ir d p a r t y fu n d s in R u p ia h a n d fo r e ig n c u r r e n c ie s , re s p e c t iv e ly . In 2 0 0 9 a n d 2 0 0 8 b e s id e
o f p rim a r y s t a t u to r y re s e r v e s , B a n k a r e re q u ire d to m a in ta in s e c o n d a ry s t a t u to r y re s e r v e s a m o u n t in g 2 .5 o f th ird p a rt y fun d s in R u p ia h .
288
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
1 7 4 .
C U R R E N T A C C O U N T S W I T H B A N K I N D O N E S I A C o n t i n u e d
T h e p e r c e n t a g e o f B a n k ’s G W M a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , re s p e c tiv e ly , a r e a s fo llo w s :
2 0 0 9 2 0 0 8
R u p ia h - p rim a r y 5 .1 1
5 .1 8 - s e c o n d a r y
3 0 . 7 6 - -
F o r e ig n cu rr e n c ie s 2 .6 6
3 .6 7 T h e B a n k ’s G W M a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 h a s c o m p lie d w it h B a n k In d o n e s ia re g u la t io n .
5 . C U R R E N T A C C O U N T S W I T H O T H E R B A N K S
2 0 0 9 2 0 0 8
R u p ia h N o n R e g io n a l D e v e lo p m e n t B a n k s N o n B P D
7 0 9 ,5 7 7 ,5 3 0 6 3 3 ,2 1 7 ,9 2 5
R e g io n a l D e v e lo p m e n t B a n k s B P D 4 ,4 8 1 ,0 3 8 ,8 1 3
2 ,0 7 8 ,1 4 4 ,5 4 0 5 ,1 9 0 ,6 1 6 ,3 4 3
2 ,7 1 1 ,3 6 2 ,4 6 5 F o re ig n c u r r e n c ie s
J a p a n e s e Y e n 1 ,8 4 9 ,8 9 2 ,8 4 0
2 6 ,1 8 1 ,9 6 1 ,0 7 2 U S D o lla r
2 4 8 ,3 9 4 ,4 0 5 ,5 6 4 9 ,2 9 8 ,3 5 5 ,4 1 7
E u ro 6 ,4 5 5 ,2 3 9 ,2 8 6
6 ,5 7 0 ,2 7 7 ,5 0 3 S in g a p o re D o lla r
6 6 5 ,6 6 0 ,8 8 1 8 0 7 ,4 6 4 ,7 1 0
A u s t r a lia n D o lla r 2 5 7 ,9 2 5 ,1 1 6
2 1 4 ,5 1 3 ,7 8 8 2 5 7 ,6 2 3 ,1 2 3 ,6 8 7
4 3 ,0 7 2 ,5 7 2 ,4 9 0 T o ta l
2 6 2 ,8 1 3 ,7 4 0 ,0 3 0 4 5 ,7 8 3 ,9 3 4 ,9 5 5
L e s s : A llo w a n ce fo r P o s s ib le L o s s e s 8 ,1 5 4 ,9 8 3 ,4 3 9
6 ,7 0 5 ,2 3 6 ,8 9 5
N e t 2 5 4 ,6 5 8 , 7 5 6 ,5 9 1
3 9 ,0 7 8 ,6 9 8 ,0 6 0
T h e a v e r a g e a n n u a l in t e r e s t ra t e a r e a s fo llo w s :
2 0 0 9 2 0 0 8
R u p ia h 2 .0 4
2 .0 3 F o r e ig n cu rr e n c ie s
1 .1 0 1 .2 3
Laporan Tahunan 2009 Annual Report
289
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
1 8 5 .
C U R R E N T A C C O U N T S W I T H O T H E R B A N K S C o n t i n u e d
T h e c h a n g e s in th e a llo w a n c e fo r p o s s ib le lo s s e s a r e a s fo llo w s :
2 0 0 9 2 0 0 8
B a la n c e a t b e g in n in g o f th e y e a r 6 ,7 0 5 ,2 3 6 ,8 9 5
1 2 8 ,6 0 8 ,4 4 8 P r o v is io n d u r in g th e y e a r
2 ,4 3 8 ,4 5 6 ,5 6 1 6 ,7 3 3 ,7 3 7 ,0 2 8
T r a n s la t io n d iffe r e n c e s 9 8 8 ,7 1 0 ,0 1 7
1 5 7 ,1 0 8 ,5 8 1
B a la n c e a t e n d o f th e y e a r 8 ,1 5 4 ,9 8 3 ,4 3 9
6 ,7 0 5 ,2 3 6 ,8 9 5
C u r r e n t a c c o u n t s w it h o th e r b a n k s a s o f D e ce m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 w e re c la s s ifie d a s c u r r e n t , e x c e p t fo r c u rr e n t a c c o u n t w it h I n d o v e r B a n k a m o u n t in g R p 5 ,5 8 2 ,8 5 9 ,9 6 6 w h i c h w a s c l a s s ifie d a s lo s s
b e c a u s e th is b a n k is b a n k r u p t. A llo w a n c e fo r p o s s ib le lo s s e s in c lu d e g e n e r a l p r o v is io n a m o u n t in g 1 in a cc o r d a n c e w it h B I re g u la t io n fo r a ll c u rr e n t a c c o u n t c la s s ifie d a s c u rr e n t a n d s p e c ia l p ro v is io n
a m o u n t in g 1 0 0 fo r c u r r e n t a c c o u n t s c la s s ifie d a s lo s s . O n M a rc h 1 0 , 2 0 1 0 th e B a n k h a v e r e c e ip t p a y m e n t fr o m In d o v e r B a n k a m o u n t in g R p 2 ,6 2 3 ,9 4 5 , 2 1 4 e q u iv a le n t E u r o 1 9 3 , 7 5 7 .3 4 s e e N o t e s 4 2 .
M a n a g e m e n t b e lie v e s th a t th e a b o v e a llo w a n ce fo r p o s s ib le lo s s e s is a d e q u a te t o c o v e r p o s s ib le lo s s e s w h ic h m ig h t a r is e fr o m u n c o lle c t ib le c u rr e n t a c c o u n t s w it h o t h e r b a n k s .
6 . P L A C E M E N T W I T H O T H E R B A N K S A N D B A N K I N D O N E S I A
2009 Type of Placements
Period Interest
Rate per annum Total
Rupiah Bank Indonesia Deposits Facilities
4 Days 6.00
1,563,218,520,986 Call money
4 -7 Days 6.35 - 6.60
435,000,000,000 Time deposit
33 Days 6.80
100,000,000,000 Bank of Indonesia Sharia Deposits Facilities
5 Days 6.00
20,900,000,000 2,119,118,520,986
Less: Allowance for Possible Losses 5,350,000,000
Total 2,113,768,520,986
Note: after deducting deferred interest amounting to Rp 781,479,014.
290
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
1 9 6 .
P L A C E M E N T W I T H O T H E R B A N K S A N D B A N K I N D O N E S I A C o n t i n u e d 2008
Type of Placements Period
Interest Rate per annum
Total
Rupiah Bank Indonesia Deposits Facilities
5 Days 9.08
605,381,069,156 Call money
9.5 Days 10.31
55,000,000,000 Time deposit
92 Days 10.75
1,349,700,000 661,730,769,156
Less: Allowance for possible losses 563,497,000
Total 661,167,272,156
Note: after deducting deferred interest amounting Rp 618,930,844. P la c e m e n t s w it h o t h e r b a n k s a n d B a n k I n d o n e s ia a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 c la s s ifie d b a s e d
o n r e m a in in g p e r io d s t o m a t u r it y a r e a s fo llo w s :
2 0 0 9 T y p e o f p l a c e m e n t s
1 m o n t h 1 - 3 m o n t h s
3 - 1 2 m o n t h s 1 2 m o n t h s
T o t a l
R u p i a h B a n k I n d o n e s ia D e p o s it s
F a c ilit ie s 1 , 5 6 3 , 2 1 8 , 5 2 0 , 9 8 6
- - - -
- - 1 , 5 6 3 , 2 1 8 , 5 2 0 , 9 8 6
C a ll m o n e y 4 3 5 , 0 0 0 , 0 0 0 , 0 0 0
- - - -
- - 4 3 5 , 0 0 0 , 0 0 0 , 0 0 0
T im e d e p o s it - -
1 0 0 , 0 0 0 , 0 0 0 , 0 0 0 - -
- - 1 0 0 , 0 0 0 , 0 0 0 , 0 0 0
B a n k I n d o n e s ia S h a r i a D e p o s it s F a c ilit ie s
2 0 , 9 0 0 , 0 0 0 , 0 0 0 - -
- - - -
2 0 , 9 0 0 , 0 0 0 , 0 0 0 2 , 0 1 9 , 1 1 8 , 5 2 0 , 9 8 6
1 0 0 , 0 0 0 , 0 0 0 , 0 0 0 - -
- - 2 , 1 1 9 , 1 1 8 , 5 2 0 , 9 8 6
L e s s : A llo w a n c e fo r p o s s ib le lo s s e s 5 , 3 5 0 , 0 0 0 , 0 0 0
T o t a l 2 , 1 1 3 , 7 6 8 , 5 2 0 , 9 8 6
2 0 0 8 T y p e o f p l a c e m e n t s
1 m o n t h 1 - 3 m o n t h s
3 - 1 2 m o n t h s 1 2 m o n t h s
T o t a l
R u p i a h B a n k I n d o n e s ia D e p o s it s F a c ilit ie s
6 0 5 , 3 8 1 , 0 6 9 , 1 5 6 - -
- - - -
6 0 5 , 3 8 1 , 0 6 9 , 1 5 6 C a ll m o n e y
5 5 , 0 0 0 , 0 0 0 , 0 0 0 - -
- - - -
5 5 , 0 0 0 , 0 0 0 , 0 0 0 T im e d e p o s it
- - 1 , 3 4 9 , 7 0 0 , 0 0 0
- - - -
1 , 3 4 9 , 7 0 0 , 0 0 0 6 6 0 , 3 8 1 , 0 6 9 , 1 5 6
1 , 3 4 9 , 7 0 0 , 0 0 0 - -
- - 6 6 1 , 7 3 0 , 7 6 9 , 1 5 6
L e s s : A llo w a n c e fo r p o s s ib le lo s s e s 5 6 3 , 4 9 7 , 0 0 0
T o t a l 6 6 1 , 1 6 7 , 2 7 2 , 1 5 6
Laporan Tahunan 2009 Annual Report
291
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
2 0 6 .
P L A C E M E N T W I T H O T H E R B A N K S A N D B A N K I N D O N E S I A C o n t i n u e d
T h e c h a n g e s in th e a llo w a n c e fo r p o s s ib le lo s s e s in p la c e m e n t s w it h o t h e r b a n k s a r e a s fo llo w s :
2 0 0 9 2 0 0 8
B a la n c e a t b e g in n in g o f th e y e a r 5 6 3 ,4 9 7 ,0 0 0
7 5 0 ,0 0 0 ,0 0 0 P r o v is io n d u r in g th e y e a r
4 ,7 8 6 ,5 0 3 ,0 0 0 1 ,4 9 3 ,9 7 3 ,1 0 4
T r a n s la t io n d iffe r e n c e s - -
1 ,6 8 0 ,4 7 6 ,1 0 4
B a la n c e a t e n d o f th e y e a r 5 ,3 5 0 ,0 0 0 ,0 0 0
5 6 3 ,4 9 7 ,0 0 0
T h e c o lle c t ib ilit y o f a ll p la c e m e n t s w it h o t h e r b a n k s is c u r re n t f o r y e a r 2 0 0 9 a n d 2 0 0 8 . T h e a llo w a n c e fo r p o s s ib le lo s s e s co n s ists o f 1 g e n e ra l re se rv e o n a c c o u n ts in a c c o rd a n c e w ith B a n k In d o n e s ia ’s
r e g u la t io n fo r a ll p la c e m e n t s in o t h e r b a n k s . M a n a g e m e n t b e lie v e s th a t th e a b o v e a llo w a n ce fo r p o s s ib le lo s s e s is a d e q u a te t o c o v e r p o s s ib le lo s s e s
w h ic h m ig h t a r is e fr o m u n c o lle c t ib le p la c e m e n t s w it h o t h e r b a n k s .
7 . S E C U R I T I E S
a . T y p e o f f o r e ig n c u r r e n c i e s
Average Annual Interest Rate
Total 2009
2008 2009
2008 Rupiah
Held- to-Maturity
Certificates of Bank Indonesia 7.93
11.00 977,500,000,000
647,516,000,000 Unamortized discount
2,925,824,603 1,443,058,375
Net value 974,574,175,397
646,072,941,625 Other bonds
11.48 12.87
2,312,137,027,783 2,581,901,528,034
Unamortized discount --
-- Net value
2,312,137,027,783 2,581,901,528,034
Total held-to-maturity Securities 3,286,711,203,180
3,227,974,469,659
Trading
Other bonds 11.70
10.81 1,095,361,624,998
1,676,985,288,728 Unrealized loss on increase in
value --
1,070,400,216 Fair value
1,095,361,624,998 1,675,914,888,512
Total Trading Securities 1,095,361,624,998
1,675,914,888,512 Total Securities - Rupiah
4,382,072,828,178 4,903,889,358,171
292
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
2 1 7 .
S E C U R I T I E S C o n t i n u e d Average Annual
Interest Rate Total
2009 2008
2009 2008
United States Dollar Held-to-Maturity
Other bonds 7.03
6.96 95,470,628,195
110,224,844,009 Unamortized discount
-- --
Net value 95,470,628,195
110,224,844,009 Total Held-to-Maturity Securities
95,470,628,195 110,224,844,009
Trading
Other bonds --
-- Unrealized gain on increase in
value --
-- Fair value
-- --
Total Trading Securities --
-- Total Securities-United State Dollar
95,470,628,195 110,224,844,009
Total Securities 4.477.543.456.373
5.014.114.202.180 Less : Allowance for possible losses
7,705,181,873 8,708,369,187
Net 4,469,838,274,500
5,005,405,832,993 b .
B a s e d o n is s u e r s a n d r a t in g s o f b o n d s
Rating Total
2009 2008
2009 2008
Rupiah
Bond Government
Ba2 Ba3
2,696,053,558,023 3,427,299,254,126
State-Owned Enterprises PT Bank Tabungan Negara Persero
-- idAA-
-- 29,606,284,722
PT Bank Negara Indonesia Persero Tbk idAA-
idAA- 59,915,380,370
59,859,929,445 PT Perusahaan Listrik Negara
Persero Tbk idAA-
idAA- 46,000,883,119
45,590,259,787 PT Jasa Marga Persero Tbk
idAA- idAA-
38,081,407,122 37,920,105,199
PT Bank Ekspor Impor Persero idAAA
idAAA 25,000,000,000
25,000,000,000 Perum Pegadaian
idAA+ idAA+
32,514,042,063 32,579,799,151
PT Bank Rakyat Indonesia Persero Tbk idAA+
idAA+ 25,000,000,000
25,000,000,000 PT Indosat Tbk
BB+ idAA+
72,179,507,499 37,278,084,500
PT PTPN IV --
idA --
7,006,150,050 PT Pupuk Kaltim
idAA- --
5,000,000,000 --
Laporan Tahunan 2009 Annual Report
293
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
2 2 7 .
S E C U R I T I E S C o n t i n u e d
Rating Total
2009 2008
2009 2008
Other Companies PT Indofood Sukses Makmur Tbk
idAA+ idAA+
144,969,041,950 145,325,365,974
PT BPD Jawa Barat --
idA+ --
73,597,992,491 PT Bentoel International Investama Tbk
idA idA
86,571,985,270 85,275,947,054
PT BPD Nusa Tenggara Barat idBBB+
Aa3.id 20,000,000,000
20,000,000,000 PT Pembangunan Jaya Ancol Tbk
idA+ idA+
20,020,830,709 20,063,366,142
PT BPD Sulawesi Utara idBBB+
idBBB+ 14,984,616,655
14,942,399,207 PT Medco Energi Internasional Tbk
idAA- idAA-
3,151,500,000 14,698,319,101
PT BPD Lampung idBBB+
idBBB+ 4,000,000,000
4,000,000,000 PT Bank Permata Tbk
-- idA
-- 9,693,530,000
PT Bank Danamon idAA+
idAA+ 27,917,800,000
39,363,974,608 PT Bank Mega
idA+ idA+
16,138,100,000 16,073,738,000
PT Bank Buana --
idA+ --
8,149,288,000 PT Bank Panin
idAA+ idA+
50,000,000,000 50,004,750,000
PT HM Sampoerna idAAA
idAAA --
6,646,558,989 PT Malindo Feedmil
idAA- idA+
20,000,000,000 20,001,220,000
PT Exelcom --
idAA- --
2,840,100,000 Total Bonds
3,407,498,652,780 4,257,816,416,546
Other Securities Bank Indonesia
974,574,175,397 646,072,941,625
Total Other Securities 974,574,175,397
646,072,941,625
Total Securities - Rupiah 4,382,072,828,178
4,903,889,358,171 United States Dollar
Bonds Republic of Indonesia
Ba2 Ba3
59,478,082,742 68,737,159,259
States Owned Enterprises PT PLN
Ba2 Ba3
35,992,545,453 41,487,684,750
Total Bonds 95,470,628,195
110,224,844,009 95,470,628,195
110,224,844,009 Total Securities
4,477,543,456,373 5,014,114,202,180
Less: Allowance for possible losses 7,705,181,873
8,708,369,187
Total Securities - Net 4,469,838,274,500
5,005,405,832,993
Pefindo Moody’s
Fitch Ratings
294
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
2 3 7 .
S E C U R I T I E S C o n t i n u e d
T e r m o f s e c u r it ie s b a s e d o n a c q u is it io n d a t e u p t o m a t u r it y d a t e , a r e a s fo llo w s :
2 0 0 9 2 0 0 8
R u p ia h C e r tific a t e s o f B a n k In d o n e s ia
8 - 2 8 D a y s 2 8 - 3 2 D a y s
B o n d s 3 - 2 1 Y e a r s
5 M o n t h s - 3 8 Y e a r s U n it e d S t a te s D o lla r
B o n d s 8 - 3 0 Y e a r s
8 - 3 8 Y e a r s D u r i n g t h e y e a r 2 0 0 9 , s e c u r it ie s c la s s ifie d a s h e ld to m a t u r i t y h a s m a t u r e d
a m o u n t e d t o R p 1 4 5 ,5 0 0 ,0 0 0 ,0 0 0 .
c . B a s e d o n g o v e r n m e n t a n d n o n g o v e r n m e n t c la s s if ic a tio n
2 0 0 9 2 0 0 8
P a rt ie s G o v e rn m e n t S e cu rit ie s
3 ,7 3 0 ,1 0 5 ,8 1 6 ,1 6 2 4 ,4 8 3 ,4 3 7 ,6 5 2 ,6 1 4
N o n G o v e r n m e n t S e cu rit ie s 7 4 7 ,4 3 7 ,6 4 0 ,2 1 1
5 3 0 ,6 7 6 ,5 4 9 ,5 6 6 4 ,4 7 7 ,5 4 3 ,4 5 6 ,3 7 3
5 ,0 1 4 ,1 1 4 ,2 0 2 ,1 8 0 L e s s : A llo w a n c e fo r p o s s ib le lo s s e s
7 ,7 0 5 ,1 8 1 ,8 7 3 8 ,7 0 8 ,3 6 9 ,1 8 7
T o t a l 4 ,4 6 9 ,8 3 8 ,2 7 4 ,5 0 0
5 ,0 0 5 ,4 0 5 ,8 3 2 ,9 9 3
A s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , th e fa ir v a lu e o f a v a ila b le - fo r - s a le a n d t h e c o s t n e t o f a m o rt iz a tio n o f d is c o u n t o r p r e m iu m o f h e ld -t o -m a tu r it y s e c u r it ie s , b a s e d o n th e re m a in in g p e r io d s
t o m a t u r it y d a t e a r e a s fo llo w s :
2009 Type of Securities
1 month 1-3 months
3-12 months 1-5 years
5 years Total
Trading Fair Value
Rupiah --
-- --
223,215,025,000 872,146,600,000
1,095,361,625,000 United States Dollar
-- --
-- --
-- --
Sub Total --
-- --
223,215,025,000 872,146,600,000
1,095,361,625,000 Held-to-Maturity
Cost-Net of Amortization
Rupiah 974,574,175,397
110,203,463,771 159,003,764,176
827,457,787,461 1,215,472,012,373
3,286,711,203,178 United States Dollar
-- --
-- --
95,470,628,195 95,470,628,195
Sub Total 974,574,175,397
110,203,463,771 159,003,764,176
827,457,787,461 1,310,942,640,568
3,382,181,831,373 Total
974,574,175,397 110,203,463,771
159,003,764,176 1,050,672,812,461
2,183,089,240,568 4,477,543,456,373
Less : Allowance for possible losses
7,705,181,873
Net 4,469,838,274,500
Laporan Tahunan 2009 Annual Report
295
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
2 4 7 .
S E C U R I T I E S C o n t i n u e d
2008 Type of Securities
1 month 1-3 months
3-12 months 1-5 years
5 years Total
Trading Fair Value
Rupiah --
-- 14,000,000,000
185,748,969,443 1,476,165,919,069
1,675,914,888,512 Sub Total
-- --
14,000,000,000 185,748,969,443
1,476,165,919,069 1,675,914,888,512
Held-to-Maturity Cost-Net of
Amortization Rupiah
-- --
168,031,829,266 484,488,558,489
2,575,454,081,904 3,227,974,469,659
United States Dollar --
-- --
-- 110,224,844,009
110,224,844,009 Sub Total
-- --
168,031,829,266 484,488,558,489
2,685,678,925,913 3,338,199,313,668
Total --
-- 182,031,829,266
670,237,527,932 4,161,844,844,982
5,014,114,202,180 Less: Allowance for
possible losses
8,708,369,187
Net 5,005,405,832,993
A ll th e s e c u r it ie s o w n e d b y th e B a n k is p u b lis h e d b y th ir d p a r t ie s . T h e c o lle c t ib ilit y o f s e c u r it ie s is c u r r e n t in y e a r 2 0 0 9 a n d 2 0 0 8 . T h e a llo w a n c e f o r p o s s ib le lo s s e s
c o n s is t s o f 1 g e n e ra l re s e r v e in a cc o r d a n c e w ith B a n k In d o n e s ia ’s re g u la t io n . T h e c h a n g e s in th e a llo w a n c e fo r p o s s ib le lo s s e s o n s e c u r it ie s a r e a s fo llo w s :
2 0 0 9 2 0 0 8
B e g in n in g b a la n c e o f th e y e a r 8 ,7 0 8 ,3 6 9 ,1 8 7
7 ,8 7 9 ,0 9 3 ,4 8 7 P r o v is io n r e v e rs a l d u rin g th e y e a r
9 5 6 ,1 6 9 ,7 2 2 1 ,0 0 8 ,5 6 1 ,1 7 7
T r a n s la t io n d iffe r e n c e s 4 7 ,0 1 7 ,5 9 2
1 7 9 ,2 8 5 ,4 7 7
E n d in g b a la n c e o f th e y e a r 7 ,7 0 5 ,1 8 1 ,8 7 3
8 ,7 0 8 ,3 6 9 ,1 8 7
M a n a g e m e n t b e lie v e s t h a t th e a b o v e a llo w a n c e fo r p o s s ib le lo s s e s is a d e q u a t e t o c o v e r p o s s ib le lo s s e s , w h ic h m ig h t a r is e fr o m u n c o lle c t ib le s e c u r it ie s .
296
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
2 5 8 .
R E V E R S E R E P O
2009 Customer
Type Par Value
Starting Date
Maturity Date
Reverse Repo Unamortized
Interest Income Net Value
Rupiah PT Mandiri Sekuritas
FR0045 70,000,000,000
211209 070110
69,913,200,000 21,905,882
69,891,294,118 PT Mandiri Sekuritas
FR0047 55,000,000,000
141209 140110
53,784,500,000 19,870,968
53,764,629,032 PT Amcapital
Sekuritas FR0047
25,000,000,000 151209
180110 24,395,000,000
10,588,235 24,384,411,765
Total 150,000,000,000
148,092,700,000 52,365,085
148,040,334,915 2008
Customer Type
Par Value Starting
Date Maturity
Date Reverse Repo
Unamortized Interest Income
Net Value
Rupiah PT Mandiri Sekuritas
FR0028 20,000,000,000
181208 140109
19,550,000,000 41,481,481
19,508,518,519 PT Mandiri Sekuritas
FR0028 15,000,000,000
191208 140109
14,661,000,000 31,500,000
14,629,500,000 PT Mandiri Sekuritas
FR0028 15,000,000,000
231208 140109
14,652,000,000 31,500,000
14,620,500,000 PT Danareksa
Sekuritas FR0043
18,000,000,000 011208
050109 11,705,400,000
771,429 11,704,628,571
PT Danareksa Sekuritas
FR0043 15,000,000,000
031208 070109
10,667,700,000 3,540,000
10,664,160,000 PT Danareksa
Sekuritas FR0043
15,000,000,000 241208
120109 9,753,150,000
1,989,474 9,751,160,526
PT Mandiri Sekuritas FR0045
6,500,000,000 241208
270109 5,214,950,000
11,872,059 5,203,077,941
PT Danareksa Sekuritas
FR0046 20,000,000,000
031208 070109
13,222,400,000 4,480,000
13,217,920,000 PT Mandiri Sekuritas
FR0047 20,000,000,000
241208 270109
17,470,000,000 55,588,235
17,414,411,765 PT Mandiri Sekuritas
FR0047 20,000,000,000
241208 270109
17,470,000,000 55,588,235
17,414,411,765 PT Mandiri Sekuritas
FR0047 95,000,000,000
301208 300109
89,345,600,000 457,838,710
88,887,761,290 PT Danareksa
Sekuritas FR0048
5,000,000,000 031208
070109 3,331,400,000
1,280,000 3,330,120,000
PT Mandiri Sekuritas FR0048
4,000,000,000 241208
270109 3,375,200,000
12,070,588 3,363,129,412
PT Danareksa Sekuritas
FR0048 15,000,000,000
241208 230109
9,764,700,000 11,270,000
9,753,430,000 PT Mandiri Sekuritas
Seri ORI 004 3,000,000,000
241208 270109
2,818,500,000 10,720,588
2,807,779,412 PT AmCapital
Indonesia Seri ORI 004
35,000,000,000 301208
300109 35,047,950,000
167,322,581 34,880,627,419
Total 321,500,000,000
278,049,950,000 898,813,380
277,151,136,620
B a n k d o e s n o t m a k e a llo w a n c e fo r p o s s ib le lo s s e s d u e t o t h e fa c t th a t th e b o n d r e p r e s e n t s a g o v e r n m e n t b o n d a n d in a cc o r d a n c e w it h th e R e g u la t io n o f B a n k In d o n e s ia N o . 7 2 P B I 2 0 0 5 re g a r d in g
t h e A s s e s s m e n t o f A s s e t Q u a lit y o f G e n e r a l B a n k , a r t ic le 4 5 p o in t 2 , it is s ta t e d t h a t G e n e r a l R e s e r v e e x c lu d e s o f E a r n in g A s s e ts in th e fo rm o f S B I a n d S U N a n d g u a ra n te e d w it h c a s h p le d g e d .
Laporan Tahunan 2009 Annual Report
297
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
2 6 9 .
L O A N S a .
B y T y p e s o f L o a n s
2009 Current
Special Mention Substandard
Doubtful Loss
Total
Working Capital 527,246,024,128
15,989,659,097 3,504,502,149
19,986,359,738 112,077,371,143
678,803,916,255 Consumer
4,137,242,993,542 106,901,906,572
7,796,056,516 18,956,481,947
69,935,658,024 4,340,833,096,601
Investment 908,009,360,407
86,413,276,749 57,599,840,253
3,848,283,579 4,317,221,141
1,060,187,982,129 Sharia Financing
549,140,221,479 7,202,169,940
15,272,038,206 86,773,871,059
1,877,151,734 660,265,452,418
Loan to Directors and Employees
261,664,656,289 219,197,909
-- 400,297,328
1,130,501,024 263,414,652,550
Sub Total 6,383,303,255,845
216,726,210,267 84,172,437,124
129,965,293,651 189,337,903,066
7,003,505,099,953 Less Allowance for Possible
Losses 63,833,032,558
7,692,022,126 9,402,637,742
8,237,189,019 144,521,078,944
233,685,960,389
Total 6,319,470,223,287
209,034,188,141 74,769,799,382
121,728,104,632 44,816,824,122
6,769,819,139,564 2008
Current Special Mention
Substandard Doubtful
Loss Total
Working Capital 636,010,982,001
32,085,198,501 19,850,350,754
18,617,281,602 42,878,989,925
749,442,802,783 Consumer
4,409,138,519,354 173,554,205,216
5,893,316,846 8,737,761,109
80,483,472,201 4,677,807,274,726
Investment 138,010,550,378
18,343,627,749 1,209,581,309
1,994,206,834 12,122,715,362
171,680,681,632 Sharia Financing
489,401,634,991 2,330,916,429
123,039,500,051 714,901,071
2,418,575,395 617,905,527,937
Loan to Directors and Employees
258,939,582,922 404,842,214
47,721,214 --
1,154,612,077 260,546,758,427
Sub Total 5,931,501,269,646
226,718,790,109 150,040,470,174
30,064,150,616 139,058,364,960
6,477,383,045,505 Less Allowance for Possible
Losses 35,280,437,999
8,389,012,122 32,361,830,135
14,818,848,110 139,058,364,960
229,908,493,326
Total 5,896,220,831,647
218,329,777,987 117,678,640,039
15,245,302,506 --
6,247,474,552,179
b . B y E c o n o m ic S e c t o r s
2009 Current
Special Mention Substandard
Doubtful Loss
Total
General Trading and Administration
196,285,325,019 9,979,777,273
828,584,814 8,401,050,238
35,465,402,581 250,960,139,925
Manufacturing 8,285,177,524
498,668,824 --
-- --
8,783,846,348 Business services
411,017,237,756 4,282,457,190
2,622,641,119 90,344,516,001
16,951,966,574 525,218,818,640
Construction 261,135,989,933
12,931,707,703 256,724,496
11,844,198,178 64,205,132,710
350,373,753,020 Transportation
6,992,084,518 --
-- --
-- 6,992,084,518
Social Services 77,340,663,755
198,092,521 --
-- 922,090,419
78,460,846,695 Others
5,422,246,777,340 188,835,506,756
80,464,486,695 19,375,529,234
71,793,310,782 5,782,715,610,807
Sub Total 6,383,303,255,845
216,726,210,267 84,172,437,124
129,965,293,651 189,337,903,066
7,003,505,099,953 Less: Allowance for
Possible Losses 63,833,032,558
7,692,022,126 9,402,637,742
8,237,189,019 144,521,078,944
233,685,960,389
Total 6,319,470,223,287
209,034,188,141 74,769,799,382
121,728,104,632 44,816,824,122
6,769,819,139,564 2008
Current Special Mention
Substandard Doubtful
Loss Total
General Trading and Administration
372,196,931,973 120,980,374,281
19,728,918,610 18,479,914,183
28,042,775,551 559,428,914,598
Manufacturing 6,333,090,041
-- 4,863,949
-- 2,142,858
6,340,096,848 Business services
181,510,289,886 1,130,582,314
242,855,507 102,295,123
18,200,741,668 201,186,764,498
Construction 244,631,744,761
17,790,429,521 104,070,907
588,654,900 3,590,728,162
266,705,628,251 Transportation
11,585,206,873 --
-- --
-- 11,585,206,873
Social Services 38,971,886,815
-- --
-- 393,379,833
39,365,266,648 Others
5,076,272,119,297 86,817,403,993
129,959,761,201 10,893,286,410
88,828,596,888 5,392,771,167,789
Sub Total 5,931,501,269,646
226,718,790,109 150,040,470,174
30,064,150,616 139,058,364,960
6,477,383,045,505 Less: Allowance for
Possible Losses 35,280,437,999
8,389,012,122 32,361,830,135
14,818,848,110 139,058,364,960
229,908,493,326
Total 5,896,220,831,647
218,329,777,987 117,678,640,039
15,245,302,506 --
6,247,474,552,179
298
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
2 7 9 .
L O A N S C o n t i n u e d c .
B y L o a n P e r io d s
L o a n p e r io d s b a s e d o n lo a n a g r e e m e n t s a r e a s fo llo w s :
2 0 0 9 2 0 0 8
L e s s th a n 1 y e a r 9 0 3 ,1 0 5 ,5 3 2 ,9 6 3
6 4 5 ,9 5 2 ,7 1 8 ,5 7 6 O v e r 1 - 2 y e a r s
7 9 9 ,4 6 7 ,8 4 9 ,4 1 1 2 1 5 ,1 2 0 ,4 3 8 ,7 1 2
O v e r 2 - 3 y e a r s 1 ,4 3 3 ,1 5 2 ,0 8 2 ,7 6 4
1 ,2 9 0 ,0 7 2 ,8 8 2 ,6 5 6 O v e r 3 y e a r s
3 ,8 6 7 ,7 7 9 ,6 3 4 ,8 1 5 4 ,3 2 6 ,2 3 7 ,0 0 5 ,5 6 1
S u b T o t a l 7 ,0 0 3 ,5 0 5 ,0 9 9 ,9 5 3
6 ,4 7 7 ,3 8 3 ,0 4 5 ,5 0 5 L e s s : A llo w a n c e fo r P o s s ib le L o s s
2 3 3 ,6 8 5 ,9 6 0 ,3 8 9 2 2 9 ,9 0 8 ,4 9 3 ,3 2 6
T o t a l 6 ,7 6 9 ,8 1 9 ,1 3 9 ,5 6 4
6 ,2 4 7 ,4 7 4 ,5 5 2 ,1 7 9 d .
B y R e m a in in g P e r io d s
L o a n s b a s e d o n r e m a in in g p e r io d s fr o m b a la n c e s h e e t s d a t e t o m a t u r it y d a t e a r e a s fo llo w s :
2 0 0 9 2 0 0 8
L e s s th a n 1 y e a r 8 2 1 ,2 8 6 ,0 2 8 ,2 3 0
9 1 3 ,6 6 6 ,4 3 6 ,0 0 6 O v e r 1 - 2 y e a r s
2 ,0 4 0 ,6 7 9 ,8 2 2 ,4 2 8 7 7 7 ,6 2 4 ,6 8 4 ,9 7 6
O v e r 2 - 3 y e a r s 1 ,9 2 2 ,2 7 3 ,0 2 4 ,2 9 4
1 ,2 4 6 ,3 7 3 ,0 6 5 ,3 6 0 O v e r 3 y e a r s
2 ,2 1 9 ,2 6 6 ,2 2 5 ,0 0 1 3 ,5 3 9 ,7 1 8 ,8 5 9 ,1 6 3
S u b T o ta l 7 ,0 0 3 ,5 0 5 ,0 9 9 ,9 5 3
6 ,4 7 7 ,3 8 3 ,0 4 5 ,5 0 5 L e s s : A llo w a n c e fo r P o s s ib le L o s s
2 3 3 ,6 8 5 ,9 6 0 ,3 8 9 2 2 9 ,9 0 8 ,4 9 3 ,3 2 6
T o t a l 6 ,7 6 9 ,8 1 9 ,1 3 9 ,5 6 4
6 ,2 4 7 ,4 7 4 ,5 5 2 ,1 7 9
Laporan Tahunan 2009 Annual Report
299
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
2 8 9 .
L O A N S C o n t i n u e d e .
B y R e la t e d P a r tie s
L o a n s b a s e d o n r e la t e d p a r t ie s a r e a s fo llo w s :
2 0 0 9 2 0 0 8
T h ir d P a r t ie s 6 ,9 9 7 ,5 4 2 ,8 7 0 ,0 3 6
6 ,4 7 2 ,2 6 7 ,7 7 5 ,2 4 4 L e s s : A llo w a n c e fo r P o s s ib le L o s s
2 3 3 ,6 2 6 ,3 3 8 ,0 9 0 2 2 9 ,8 5 7 ,3 4 0 ,6 2 3
6 ,7 6 3 ,9 1 6 ,5 3 1 ,9 4 6 6 ,2 4 2 ,4 1 0 ,4 3 4 ,6 2 1
R e la te d P a r t ie s B P R D a r b e n i
1 ,0 5 3 ,2 3 4 ,4 3 9 1 9 4 ,3 5 5 ,9 3 2
C o m m is s io n e rs , D ire c t o r s a n d E x e c u tiv e B a n k O ffic e r s
4 ,9 0 8 ,9 9 5 ,4 7 8 4 ,9 2 0 ,9 1 4 ,3 2 9
5 ,9 6 2 ,2 2 9 ,9 1 7 5 ,1 1 5 ,2 7 0 ,2 6 1
L e s s : A llo w a n c e fo r P o s s ib le L o s s 5 9 ,6 2 2 ,2 9 9
5 1 ,1 5 2 ,7 0 3 5 ,9 0 2 ,6 0 7 ,6 1 8
5 ,0 6 4 ,1 1 7 ,5 5 8 S u b T o ta l
7 ,0 0 3 ,5 0 5 ,0 9 9 ,9 5 3 6 ,4 7 7 ,3 8 3 ,0 4 5 ,5 0 5
L e s s : A llo w a n c e fo r P o s s ib le L o s s 2 3 3 ,6 8 5 ,9 6 0 ,3 8 9
2 2 9 ,9 0 8 ,4 9 3 ,3 2 6
T o t a l 6 ,7 6 9 ,8 1 9 ,1 3 9 ,5 6 4
6 ,2 4 7 ,4 7 4 ,5 5 2 ,1 7 9 f .
O t h e r s ig n if ic a n t in f o r m a t io n
O t h e r s ig n ific a n t in fo r m a t io n r e la t e d t o lo a n s a r e a s fo llo w s : 1 .
T h e a v e ra g e a n n u a l in te r e s t ra t e s o f lo a n s in R u p ia h w e r e 1 5 . 0 5 a n d 1 6 .5 5 o n D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , w h ile fo r lo a n s in f o r e ig n cu rr e n c ie s w e r e 8 .0 0 a n d
2 4 .4 9 o n D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 . 2 .
L o a n s a r e s e c u re d b y c o lla t e r a ls s u c h a s d e p o s it s , c o lla t e r a ls th a t a re n o t a r iz e d b y d e e d o f e n c u m b r a n c e o f p o w e r o f a t t o r n e y t o s e l l o r t o e n c u m b e r o r o t h e r c o lla t e r a ls t h a t a r e
a c c e p ta b le b y th e B a n k . 3 .
F ix e d lo a n s c o n s is t o f w o r k in g c a p it a l, in v e s t m e n ts a n d c o n s u m e r lo a n s . L o a n s fo r w o r k in g c a p ita l a n d in v e s t m e n t s in c lu d e lo n g te r m , fix e d , re v o lv in g , a n d d is c o u n t e d lo a n s , w h ile
c o n s u m e r lo a n s in c lu d e h o u s in g , ca r , a n d o t h e r c o n s u m e r lo a n s . 4 .
L o a n s t o D ir e c t o rs a n d E m p lo y e e s , s u b s t a n t ia lly , r e p r e s e n t lo a n s w it h a n n u a l in t e re s t ra te s u p t o 4 . 5 fo r p u r c h a s e o f c a r s , h o u s e s a n d o t h e r p e r s o n a l n e c e s s it ie s , w it h m a t u r it y
p e r io d s ra n g in g fr o m 1 o n e to 1 5 fift e e n y e a r s . T h e p a y m e n ts a r e d e d u c t e d fr o m m o n t h ly s a la r y .
5 . L o a n s t o t h e r e la t e d p a r t ie s b e fo r e a llo w a n c e f o r p o s s i b l e l o s s e s a m o u n t e d t o
R p 5 , 9 6 2 ,2 2 9 ,9 1 7 a n d R p 5 ,1 1 5 ,2 7 0 ,2 6 1 a s o f D e ce m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 ; a ft e r a llo w a n c e fo r p o s s ib le lo s s e s a m o u n te d to R p 5 ,9 0 2 ,6 0 7 ,6 1 8 a n d R p 5 ,0 6 4 ,1 1 7 ,5 5 8 a s o f
D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 .
300
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
2 9 9 .
L O A N S C o n t i n u e d
6 . R e s t r u c tu r e d lo a n s a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a r e a s fo llo w s :
2 0 0 9 2 0 0 8
L o a n P e r io d E x t e n s io n 7 0 ,1 3 6 ,6 4 4 ,1 4 7
7 ,6 5 0 ,9 5 3 ,8 6 2 C h a n g e o f fin a n c i n g s c h e m e
9 7 , 2 1 6 , 2 1 0 , 2 0 4 - -
T o t a l 1 6 7 ,3 5 2 ,8 5 4 ,3 5 1
7 ,6 5 0 ,9 5 3 ,8 6 2 7 .
A s o f D e c e m b e r 3 1 , 2 0 0 9 d a n 2 0 0 8 , th e B a n k d id n o t v io la t e o r e x c e e d t h e L e g a l L e n d in g L i m it L L L r e q u ir e m e n t .
8 . T h e B a n k ’s N o n P e r fo r m in g L o a n s N P L R a t io -N e t a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
a m o u n t e d to 3 .2 6 a n d 2 .0 5 , m e a n w h ile B a n k ’s N P L -G r o s s a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a m o u n t e d to 5 .7 6 a n d 4 .9 2 .
9 . L o a n s a s o f D e c e m b e r 3 1 , 2 0 0 9 in c l u d e m u d h a r a b a h r e c e iv a b le s a m o u n t in g
R p 1 3 8 ,3 0 0 ,4 3 2 ,0 6 9 ,
m u d h a ra b a h fin a n c in g
a m o u n tin g R p
5 7 , 2 9 9 ,3 0 9 ,4 6 3 , m u s y a r a k a h fin a n c in g a m o u n t in g R p 1 7 9 ,1 5 3 ,7 4 1 ,6 6 6 , ija r a h a m o u n t in g
R p 2 6 3 , 0 7 7 , 3 5 1 , 7 0 0 a n d q a r d h fin a n c i n g a m o u n t in g R p 8 , 1 1 5 , 8 0 2 , b a s e d o n s h a r i a p r in c ip le s . A ll m u d h a ra b a h fin a n c in g a re d e liv e r e d in ca s h .
1 0 . T h e c h a n g e s in th e a llo w a n c e fo r p o s s ib le lo s s e s a r e a s fo llo w s :
2 0 0 9 2 0 0 8
B a la n c e a t th e B e g in n in g o f th e Y e a r 2 2 9 ,9 0 8 ,4 9 3 ,3 2 6
2 3 3 ,8 0 2 ,9 5 9 ,4 7 4 P r o v is io n D u r in g th e Y e a r
2 6 ,7 6 6 ,2 3 5 ,9 3 3 4 4 ,7 5 0 ,9 3 5 ,7 4 0
R e c o v e ry o f W r it t e n - o ff L o a n s D u rin g th e Y e a r
1 6 ,3 4 5 ,1 2 9 ,2 1 4 1 3 ,1 4 5 ,5 2 6 ,0 0 6
W r it t e n -o ff fo r th e Y e a r 3 8 ,4 0 1 ,9 2 6 ,8 3 4
4 9 ,0 9 9 ,7 7 8 ,0 2 3 T r a n s l a t io n d iffe r e n c e s
9 3 1 , 9 7 1 , 2 5 0 - -
A d ju s t m e n t - -
1 2 ,6 9 1 ,1 4 9 ,8 7 1
B a la n c e a t th e E n d o f th e Y e a r 2 3 3 ,6 8 5 ,9 6 0 ,3 8 9
2 2 9 ,9 0 8 ,4 9 3 ,3 2 6
I n it s c o n v e n t io n a l o p e r a t io n , th e B a n k h a s c a lc u la t e d c o lla t e r a ls a s d e d u c t io n to A llo w a n c e fo r E a r n in g A s s e t s W r it e - O ff, in a c c o r d a n c e w it h th e re g u la t io n o f B a n k In d o n e s ia N o .
1 1 2 P B I 2 0 0 9 , d a te d J a n u a ry 2 9 , 2 0 0 9 r e g a r d in g v a lu a tio n o f e a r n in g a s s e t s q u a lit y o f B a n k a n d N o . 9 6 P B I 2 0 0 7 , d a te d M a r c h 3 0 , 2 0 0 7 .
A s o f D e ce m b e r 3 1 ,2 0 0 9 a n d 2 0 0 8 , S h a r ia U n it b u s in e s s h a s n o t c a lc u la te d c o lla te ra ls a s d e d u c t io n t o A llo w a n c e fo r E a r n in g A s s e ts W r it e - O ff, in a cc o r d a n c e w it h th e re g u la t io n o f
B a n k I n d o n e s ia N o . 8 2 1 P B I 2 0 0 6 d a te d O c t o b e r 5 , 2 0 0 6 . M a n a g e m e n t b e lie v e s th a t th e a b o v e a llo w a n ce fo r p o s s ib le lo s s e s is a d e q u a te t o c o v e r
p o s s ib le lo s s e s , w h ic h m ig h t a r is e fr o m u n c o lle c t ib le lo a n s .
Laporan Tahunan 2009 Annual Report
301
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
3 0 9 .
L O A N S C o n t i n u e d
1 1 . T h e c h a n g e s in th e b a la n c e o f lo a n s t h a t h a v e b e e n w r it t e n - o ff a r e a s fo llo w s :
2 0 0 9 2 0 0 8
B a la n c e a t th e B e g in n in g o f th e Y e a r 3 0 8 ,3 3 2 ,6 2 8 ,6 1 8
2 8 7 ,5 1 4 ,7 0 4 ,4 6 7 R e c o v e r y o f W r it t e n -o ff L o a n s
1 6 ,3 4 5 ,1 2 9 ,2 1 4 1 3 ,1 4 5 ,5 2 6 ,0 0 6
A d d it io n s D u r in g th e Y e a r 3 8 ,4 0 1 ,9 2 6 ,8 3 4
3 4 ,1 0 7 ,6 9 0 ,5 5 3 A d ju s t m e n t
1 2 ,2 0 3 ,3 7 7 1 4 4 ,2 4 0 ,3 9 6
B a la n c e a t th e E n d o f th e Y e a r 3 3 0 ,3 7 7 ,2 2 2 ,8 6 1
3 0 8 ,3 3 2 ,6 2 8 ,6 1 8
1 0 . I N V E S T M E N T I N S H A R E S O F S T O C K
2 0 0 9 a n d 2 0 0 8 B u s in e s s T y p e
P e r c e n t a g e o f O w n e r s h ip
N o m in a l V a lu e
T h ir d P a rt ie s C o s t M e t h o d
P T A s u ra n s i B a n g u n A s k r id a G e n e r a l a n d L o s s In s u ra n c e
3 .5 5 9 2 6 ,6 0 0 ,0 0 0
L e s s : P r o v is io n fo r P o s s ib le L o s s e s
9 ,2 6 6 ,0 0 0
N e t 9 1 7 ,3 3 4 ,0 0 0
T h e B a n k h a s in v e s t m e n ts in s h a r e s o f s t o c k o f P T A s u ra n s i B a n g u n A s k r id a in th e a m o u n t o f R p 9 2 6 ,6 0 0 ,0 0 0 s in c e 1 9 9 8 w it h o w n e rs h ip p e r c e n t a g e o f le s s t h a n 2 0 . T h e s e in v e s t m e n t s in s h a re s
o f s t o c k i s re c o r d e d o n a c q u is it io n c o s t c o s t m e t h o d m in u s a llo w a n c e fo r p o s s ib le lo s s e s in th e a m o u n t o f R p 9 ,2 6 6 ,0 0 0 in 2 0 0 9 a n d 2 0 0 8 . B a n k re c o r d e d d iv id e n d in c o m e o f in v e s t m e n t in 2 0 0 9 a n d
2 0 0 8 a m o u n t in g R p 2 8 2 ,1 3 2 ,2 8 4 a n d R p 4 0 1 ,4 2 8 ,4 4 9 , re s p e c tiv e ly . T h e c o lle c t ib ilit y o f in v e s t m e n ts in s h a r e s o f s to ck s is c u r r e n t in y e a r 2 0 0 9 a n d 2 0 0 8 . T h e a llo w a n c e fo r
p o s s ib le lo s s e s co n s ists o f 1 g e n e ra l re s e rv e o n a c c o u n ts in a c c o rd a n c e w ith B a n k In d o n e s ia ’s re g u la tio n fo r in v e s tm e n ts in sh a re s o f sto c k .
M a n a g e m e n t b e lie v e s t h a t t h e a b o v e a llo w a n c e f o r p o s s ib le lo s s e s is a d e q u a t e t o c o v e r p o s s ib le lo s s e s , w h ic h m ig h t a r is e fr o m u n c o lle c t ib le in v e s t m e n t s in s h a r e s o f s t o c k .
302
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
3 1 1 1 .
F I X E D A S S E T
2009 Beginning
Balance Additions
Deductions Reclassification
Ending Balance Acquisition Cost
Land 105,175,114,131
1,293,175,096 5,809,506,282
-- 100,658,782,945
Buildings 29,697,981,399
7,452,972,404 1,559,806,846
-- 35,591,146,957
Vehicles 16,056,449,268
312,000,000 1,134,000,000
-- 15,234,449,268
Office Furniture and Equipments
141,176,253,358 26,641,612,218
507,408,000 --
167,310,457,576 292,105,798,156
35,699,759,718 --
-- 318,794,836,746
Accumulated Depreciation
Buildings 10,954,857,818
1,441,930,397 935,884,103
-- 11,460,904,112
Vehicles 11,776,477,658
1,283,176,917 924,463,683
-- 12,135,190,892
Office Furniture and Equipments
97,920,480,109 16,613,742,056
-- 114,534,222,165
120,651,815,585 19,338,849,370
1,860,347,786 --
138,130,317,169
Net Book Value 171,453,982,571
180,664,519,577 2008
Beginning Balance Additions
Deductions Reclassification
Ending Balance Acquisition Cost
Land 105,175,114,131
-- --
-- 105,175,114,131
Buildings 30,717,077,725
151,321,734 --
1,170,418,060 29,697,981,399
Vehicles 15,598,549,268
457,900,000 --
-- 16,056,449,268
Office Furniture and Equipments
123,654,757,754 16,351,077,544
-- 1,170,418,060
141,176,253,358 275,145,498,878
16,960,299,278 --
-- 292,105,798,156
Accumulated Depreciation
Buildings 9,610,501,304
1,663,073,595 --
318,717,081 10,954,857,818
Vehicles 10,314,502,080
1,461,975,578 --
-- 11,776,477,658
Office Furniture and Equipments
81,607,532,627 15,994,230,402
-- 318,717,081
97,920,480,110 101,532,536,011
19,119,279,575 --
-- 120,651,815,585
Net Book Value 173,612,962,867
171,453,982,571
T h e B a n k s la n d rig h ts o r H a k G u n a B a n g u n a n h a v e re m a in in g p e rio d s o f 8 t o 1 6 y e a rs . A ll t h e B a n k s la n d r ig h ts c a n b e e x te n d e d u p o n t h e ir e x p ir a tio n .
D e p r e cia t io n c h a r g e d to th e s t a t e m e n t o f in c o m e a m o u n t e d R p 1 9 ,3 3 8 ,8 4 9 ,3 7 0 a n d 1 9 ,1 1 9 ,2 7 9 ,5 7 5 r e s p e c t iv e ly fo r t h e y e a r s e n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 N o t e 2 8 .
Laporan Tahunan 2009 Annual Report
303
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
3 2 1 1 .
F I X E D A S S E T S C o n t i n u e d
D e t a ils o n th e s a le s o f fix e d a s s e t s a r e a s fo llo w s N o t e 3 0 :
2 0 0 9 2 0 0 8
S e llin g P r ic e 1 2 , 1 3 9 , 6 5 3 , 5 5 2
- - B o o k V a lu e
6 , 5 4 6 , 8 2 9 , 0 2 5 - -
G a in o n S a le o f F ix e d A s s e t s 5 ,5 9 2 ,8 2 4 ,5 2 7
- -
T h e fix e d a s s e t s a s o f D e c e m b e r 3 1 , 2 0 0 9 h a v e b e e n in s u re d w it h P T S a ra n a Lin d u n g U p a y a a n d P T A s u r a n s i A s t r a B u a n a fo r a to ta l in s u ra n c e c o v e r a g e o f R p 6 ,9 5 0 ,8 4 9 ,9 2 0 a n d R p 2 ,9 3 3 ,6 0 0 ,0 0 0 ,
r e s p e c t iv e ly . M a n a g e m e n t b e lie v e s th a t th e in s u r a n c e c o v e ra g e is a d e q u a t e to c o v e r a n y p o s s ib le lo s s e s .
B a s e d o n th e r e v ie w o f th e in d iv id u a l fix e d a s s e ts a t th e e n d o f t h e p e r io d , M a n a g e m e n t b e lie v e s th a t n o p r o v is io n fo r d e c lin e in v a lu e o f fix e d a s s e ts is n e c e s s a r y a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 in
a c c o r d a n c e w it h P S A K N o .4 8 .
1 2 . A C C R U E D I N C O M E
2 0 0 9 2 0 0 8
I n te r e s t o f S e cu rit ie s 1 0 4 ,3 0 5 ,2 9 9 ,1 0 6
1 2 7 ,4 0 5 ,6 7 1 ,0 3 8 I n te r e s t o f L o a n s
4 7 ,1 4 4 ,4 8 4 ,7 9 6 5 0 ,9 4 1 ,9 7 8 ,9 6 2
T o t a l 1 5 1 ,4 4 9 ,7 8 3 ,9 0 2
1 7 8 ,3 4 7 ,6 5 0 ,0 0 0
A c c r u e d in c o m e o f s e c u rit ie s in c lu d e r e v e n u e o f b o n d t h a t h o ld t o m a t u rit y fo r b a n k s in 2 0 0 9 a n d 2 0 0 8 a m o u n t in g R p 7 ,1 4 7 ,9 1 0 ,0 7 2 a n d R p 1 0 ,0 2 8 ,8 6 3 ,5 4 5 , a n d fo r n o n b a n k s a m o u n t in g R p 9 7 ,1 5 7 ,3 8 9 ,0 3 4
a n d R p 1 1 7 ,1 9 6 ,8 0 7 ,4 9 3 , re s p e c tiv e ly.
304
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
3 3 1 3 .
O T H E R A S S E T S 2 0 0 9
2 0 0 8
P r e p a y m e n t F u n d 9 ,5 8 6 ,2 5 7 ,2 8 7
1 9 ,3 5 6 ,6 1 4 ,9 3 6 I n v e n to r ie s
2 ,3 5 1 ,5 3 7 ,0 6 7 2 ,0 6 7 ,7 4 5 ,1 0 9
D e f e r r e d E x p e n s e , N e t o f A c c u m u la t e d A m o r tiz a tio n in 2 0 0 9 a n d 2 0 0 8 a m o u n t in g R p 6 8 4 ,9 5 4 ,1 4 6 a n d
R p 3 ,7 3 4 ,0 9 0 ,9 7 5 , re s p e c t iv e ly 1 5 5 ,7 3 5 ,8 7 6
9 8 2 ,5 4 1 ,5 4 7 A b a n d o n e d P ro p e rt ie s , N e t o f A c c u m u la te d
A m o rt iz a tio n in 2 0 0 9 a n d 2 0 0 8 a m o u n t in g R p 1 ,1 5 1 ,0 1 0 ,1 7 5 , re s p e c t iv e ly
1 ,1 5 1 ,0 1 0 ,1 7 8 1 ,1 5 1 ,0 1 0 ,1 7 8
I n c o m e R e c e iv a b le o f Ija r a h 3 3 5 ,3 5 1 ,5 8 9
6 9 ,5 0 7 ,2 2 3 O t h e r s
3 ,2 5 8 ,0 7 2 ,9 3 9 1 ,8 0 1 ,1 9 3 ,8 2 7
T o t a l 1 6 ,8 3 7 ,9 6 4 ,9 3 6
2 5 ,4 2 8 ,6 1 2 ,8 2 0
P r e p a y m e n t fu n d r e p r e s e n ts p a y m e n t o f re g io n a l g o v e r n m e n t s t a ff’s s a la r y b y B a n k a t e n d o f th e m o n th a n d w ill b e p a id b y re g io n a l g o v e r n m e n t in th e b e g in n in g o f n e x t m o n th .
1 4 . C U R R E N T L I A B I L I T I E S
2 0 0 9 2 0 0 8
F u n d s T ra n s fe r 2 1 3 ,5 5 2 ,1 5 3 ,6 3 4
2 0 4 ,5 6 9 ,4 0 7 ,5 1 4 P a y m e n t D e p o s it s to T h ir d P a r t ie s
8 0 ,5 3 6 ,1 0 8 ,7 7 4 7 3 ,1 8 2 ,2 8 2 ,5 0 3
L ia b i lit ie s D u e 2 9 ,8 7 0 ,6 1 4 ,5 0 9
2 5 ,8 5 5 ,8 6 4 ,5 4 1 T h ir d P a r t ie s D e p o s it s to b e S e tt le d
1 3 ,9 9 9 ,0 4 2 ,8 3 3 2 1 ,4 0 2 ,3 5 8 ,0 5 1
B a n k D e p o s it fr o m S y n d ic a te d L o a n 5 ,8 9 6 ,7 0 0 ,3 9 9
6 ,6 4 3 ,1 3 6 ,7 8 3 S h a ria L ia b ilit ie s
4 ,3 2 1 ,0 9 3 ,0 4 7 2 ,3 7 1 ,5 1 9 ,5 8 0
T o t a l 3 4 8 ,1 7 5 ,7 1 3 ,1 9 6
3 3 4 ,0 2 4 ,5 6 8 ,9 7 2
1 5 . D E P O S I T S F R O M C U S T O M E R S
2 0 0 9 T h ir d P a r t ie s
R e la te d P a r t ie s T o t a l
D e m a n d D e p o s it s 6 ,1 9 2 ,4 4 8 ,7 8 0 ,6 2 9
1 ,1 5 5 ,9 7 1 ,2 2 8 6 ,1 9 3 ,6 0 4 ,7 5 1 ,8 5 7
S a v in g s D e p o s it s 2 ,3 5 3 ,6 4 9 ,6 7 9 ,3 3 7
7 ,1 5 0 ,4 0 1 ,8 4 9 2 ,3 6 0 ,8 0 0 ,0 8 1 ,1 8 6
T im e D e p o s it s 3 ,6 6 6 ,1 6 1 ,8 5 3 ,7 9 1
1 3 ,6 0 4 ,7 4 4 ,8 6 7 3 ,6 7 9 ,7 6 6 ,5 9 8 ,6 5 8
T o t a l 1 2 ,2 1 2 ,2 6 0 ,3 1 3 ,7 5 7
2 1 ,9 1 1 ,1 1 7 ,9 4 4 1 2 ,2 3 4 ,1 7 1 ,4 3 1 ,7 0 1
Laporan Tahunan 2009 Annual Report
305
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
3 4 1 5 .
D E P O S I T S F R O M C U S T O M E R S C o n t i n u e d 2 0 0 8
T h ir d P a r t ie s R e la te d P a r tie s
T o t a l
D e m a n d D e p o s it s 5 ,4 8 9 ,0 9 7 ,7 0 6 ,5 4 3
3 ,2 9 3 ,8 5 7 ,0 4 3 5 ,4 9 2 ,3 9 1 ,5 6 3 ,5 8 6
S a v in g s D e p o s it s 2 ,1 2 5 ,3 0 4 ,6 5 4 ,6 5 3
4 ,8 6 9 ,1 7 5 ,0 1 9 2 ,1 3 0 ,1 7 3 ,8 2 9 ,6 7 2
T im e D e p o s it s 2 ,0 4 4 ,9 5 0 ,5 6 9 ,4 3 7
1 1 ,3 8 4 ,8 1 9 ,7 5 4 2 ,0 5 6 ,3 3 5 ,3 8 9 ,1 9 1
T o t a l 9 ,6 5 9 ,3 5 2 ,9 3 0 ,6 3 3
1 9 ,5 4 7 ,8 5 1 ,8 1 6 9 ,6 7 8 ,9 0 0 ,7 8 2 ,4 4 9
a . B a la n c e o f d e m a n d d e p o s it s , s a v in g s d e p o s it s a n d t im e d e p o s it s t h a t a r e p la c e d o n “h o ld ” n o t ic e
a r e a s fo llo w s :
2 0 0 9 2 0 0 8
D e m a n d D e p o s it s 3 ,9 0 8 ,5 6 9 ,7 1 9 ,6 8 3
2 ,1 2 4 ,8 5 1 ,6 3 0 ,7 8 8 S a v in g s D e p o s it s
3 6 4 ,1 3 5 ,0 5 9 ,5 5 0 3 5 6 ,6 3 9 ,4 4 4 ,4 2 1
T im e D e p o s it s 1 4 ,5 4 4 ,9 7 0 ,0 0 0
4 ,6 0 3 ,9 6 2 ,0 0 0
T o t a l 4 ,2 8 7 ,2 4 9 ,7 4 9 ,2 3 3
2 ,4 8 6 ,0 9 5 ,0 3 7 ,2 0 9
b . D e m a n d D e p o s its c o n s ist o f:
2 0 0 9 2 0 0 8
T h ir d P a rt ie s R u p ia h
5 ,9 8 6 ,3 1 7 ,0 0 6 ,4 4 1 5 ,4 5 7 ,8 1 2 ,9 0 5 ,3 3 7
F o re ig n C u r r e n c ie s U n it e d S ta t e s D o lla r
2 0 6 ,1 1 8 ,6 8 3 ,6 6 1 7 ,6 0 6 ,5 4 2 ,7 6 4
J a p a n e s e Y e n 1 3 ,0 9 0 ,5 2 7
2 3 ,6 7 8 ,2 5 8 ,4 4 2 S u b T o t a l
6 ,1 9 2 ,4 4 8 ,7 8 0 ,6 2 9 5 ,4 8 9 ,0 9 7 ,7 0 6 ,5 4 3
R e la te d P a r t ie s R u p ia h
1 ,1 5 5 ,9 7 1 ,2 2 8 3 ,2 9 3 ,8 5 7 ,0 4 3
S u b T o t a l 1 ,1 5 5 ,9 7 1 ,2 2 8
3 ,2 9 3 ,8 5 7 ,0 4 3
T o t a l 6 ,1 9 3 ,6 0 4 ,7 5 1 ,8 5 7
5 ,4 9 2 ,3 9 1 ,5 6 3 ,5 8 6
A v e r a g e I n te r e s t R a t e p e r A n n u m R u p ia h
3 .9 6 4 1 .7 0
F o r e ig n C u rr e n c ie s 0 .8 0
0 .8 0
306
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
3 5 1 5 .
D E P O S I T S F R O M C U S T O M E R S C o n t i n u e d
c . S a v in g s D e p o s its c o n s ist o f:
2 0 0 9 2 0 0 8
T h ir d P a r t ie s 2 ,3 5 3 ,6 4 9 ,6 7 9 ,3 3 7
2 ,1 2 5 ,3 0 4 ,6 5 4 ,6 5 3 R e la t e d P a r t ie s
7 ,1 5 0 ,4 0 1 ,8 4 9 4 ,8 6 9 ,1 7 5 ,0 1 9
T o t a l 2 ,3 6 0 ,8 0 0 ,0 8 1 ,1 8 6
2 ,1 3 0 ,1 7 3 ,8 2 9 ,6 7 2
A v e r a g e I n te r e s t R a t e p e r A n n u m 2 .6 2
2 .7 9 d .
T im e D e p o s its c o n s ist o f:
2 0 0 9 2 0 0 8
T h ir d P a rt ie s R u p ia h
3 ,6 6 5 ,3 2 9 ,6 4 0 ,8 3 9 2 ,0 4 2 ,2 9 2 ,9 8 0 ,0 3 4
F o re ig n C u r r e n c ie s U n it e d S ta t e s D o lla r
8 3 2 ,2 1 2 ,9 5 2 2 ,6 5 7 ,5 8 9 ,4 0 3
S u b T o t a l 3 ,6 6 6 ,1 6 1 ,8 5 3 ,7 9 1
2 ,0 4 4 ,9 5 0 ,5 6 9 ,4 3 7 R e la te d P a r t ie s
R u p ia h 1 3 ,6 0 4 ,7 4 4 ,8 6 7
1 1 ,3 8 4 ,8 1 9 ,7 5 4 S u b T o t a l
1 3 ,6 0 4 ,7 4 4 ,8 6 7 1 1 ,3 8 4 ,8 1 9 ,7 5 4
T o t a l 3 ,6 7 9 ,7 6 6 ,5 9 8 ,6 5 8
2 ,0 5 6 ,3 3 5 ,3 8 9 ,1 9 1
A v e r a g e I n te r e s t R a t e p e r A n n u m R u p ia h
8 .0 9 8 .3 1
F o r e ig n C u rr e n c ie s 3 .8 4
3 .9 5 T h e a m o u n t o f tim e d e p o s it s b a s e d o n its p e rio d :
2 0 0 9 R u p ia h
F o r e ig n T o t a l
1 m o n th 1 ,7 0 2 ,1 8 1 ,4 7 0 ,7 0 2
3 ,1 3 5 ,4 2 9 ,0 3 0 1 ,7 0 5 ,3 1 6 ,8 9 9 ,7 3 2
3 m o n th s 9 0 2 ,9 0 7 ,7 0 1 ,4 0 2
2 7 7 ,9 7 7 , 4 1 3 9 0 3 ,1 8 5 ,6 7 8 ,8 1 5
6 m o n th s 3 2 2 ,1 9 0 ,9 1 0 ,0 4 1
- - 3 2 2 ,1 9 0 ,9 1 0 ,0 4 1
1 2 m o n th s 7 1 1 ,8 6 2 ,5 0 6 ,6 1 0
- - 7 1 1 ,8 6 2 ,5 0 6 ,6 1 0
O n C a ll 3 7 , 2 1 0 , 6 0 3 , 4 6 0
- - - -
T o t a l 3 ,6 7 6 ,3 5 3 ,1 9 2 ,2 1 5
3 ,4 1 3 ,4 0 6 ,4 4 3 3 ,6 7 9 ,7 6 6 ,5 9 8 ,6 5 8
Laporan Tahunan 2009 Annual Report
307
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
3 6 1 5 .
D E P O S I T S F R O M C U S T O M E R S C o n t i n u e d 2 0 0 8
R u p ia h F o r e ig n
T o t a l
1 m o n th 1 ,3 4 2 ,9 8 2 ,0 0 3 ,9 7 2
1 ,8 4 7 ,9 2 0 ,2 7 3 1 ,3 4 4 ,8 2 9 ,9 2 4 ,2 4 5
3 m o n th s 1 3 2 ,8 7 7 ,6 9 8 ,3 2 2
7 9 4 ,3 2 0 ,0 6 0 1 3 3 ,6 7 2 ,0 1 8 ,3 8 2
6 m o n th s 2 2 ,8 8 2 ,1 9 3 ,7 6 1
- - 2 2 ,8 8 2 ,1 9 3 ,7 6 1
1 2 m o n th s 5 5 4 ,9 5 1 ,2 5 2 ,8 0 3
- - 5 5 4 ,9 5 1 ,2 5 2 ,8 0 3
O n C a ll - -
- - - -
T o t a l 2 ,0 5 3 ,6 9 3 ,1 4 8 ,8 5 8
2 ,6 4 2 ,2 4 0 ,3 3 3 2 ,0 5 6 ,3 3 5 ,3 8 9 ,1 9 1
T h e a m o u n t o f tim e d e p o s it s b a s e d o n th e r e m a in in g p e r io d u n t il m a tu r it y d a te :
2 0 0 9 R u p ia h
F o r e ig n T o t a l
L e s s th a n 1 m o n th 1 ,9 4 1 ,9 8 4 ,9 2 4 ,4 3 0
3 ,1 3 5 ,4 2 9 ,0 3 0 1 ,9 4 5 ,1 2 0 ,3 5 3 ,4 6 0
O v e r 1 - 3 m o n th s 9 0 0 ,7 6 3 ,5 0 2 ,2 1 2
1 7 0 ,7 7 2 ,6 9 3 9 0 0 ,9 3 4 ,2 7 4 ,9 0 5
O v e r 3 - 6 m o n th s 1 2 7 ,6 2 5 ,4 1 2 ,7 8 3
- - 1 2 7 ,6 2 5 ,4 1 2 ,7 8 3
O v e r 6 - 1 2 m o n th s 7 0 6 ,0 8 6 ,5 5 7 ,5 1 0
- - 7 0 6 ,0 8 6 ,5 5 7 ,5 1 0
T o t a l 3 ,6 7 6 ,4 6 0 ,3 9 6 ,9 3 5
3 ,3 0 6 ,2 0 1 ,7 2 3 3 ,6 7 9 ,7 6 6 ,5 9 8 ,6 5 8
2 0 0 8 R u p ia h
F o r e ig n T o t a l
L e s s th a n 1 m o n th 1 ,5 0 9 ,5 0 8 ,9 3 4 ,3 2 0
1 ,8 8 0 ,6 2 0 ,2 7 3 1 ,5 1 1 ,3 8 9 ,5 5 4 ,5 9 3
O v e r 1 - 3 m o n th s 3 4 0 ,7 5 3 ,3 6 0 ,2 5 1
7 6 1 ,6 2 0 ,0 6 0 3 4 1 ,5 1 4 ,9 8 0 ,3 1 1
O v e r 3 - 6 m o n th s 2 6 ,1 9 7 ,0 1 2 ,0 4 1
- - 2 6 ,1 9 7 ,0 1 2 ,0 4 1
O v e r 6 - 1 2 m o n th s 1 7 7 ,2 3 3 ,8 4 2 ,2 4 6
- - 1 7 7 ,2 3 3 ,8 4 2 ,2 4 6
T o t a l 2 ,0 5 3 ,6 9 3 ,1 4 8 ,8 5 8
2 ,6 4 2 ,2 4 0 ,3 3 3 2 ,0 5 6 ,3 3 5 ,3 8 9 ,1 9 1
308
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
3 7 1 6 .
D E P O S I T S F R O M O T H E R B A N K S 2 0 0 9
2 0 0 8
C a ll M o n e y 6 4 4 ,2 7 2 ,5 2 4 ,3 9 9
1 ,0 3 6 ,6 0 8 ,8 8 8 ,8 9 5 I n t e r c o m p a n y M u d h a r a b a h I n v e s t m e n t C e r t ific a t e
4 6 , 9 7 5 , 0 0 0 , 0 0 0 - -
D e m a n d D e p o s it s 6 ,8 5 6 ,1 2 9 ,8 5 0
8 ,3 5 1 ,4 9 4 ,9 0 8 D e p o s it
2 ,3 7 0 ,0 0 0 ,0 0 0 2 ,3 7 0 ,0 0 0 ,0 0 0
T o t a l 7 0 0 ,4 7 3 ,6 5 4 ,2 4 9
1 ,0 4 7 ,3 3 0 ,3 8 3 ,8 0 3
A v e r a g e I n te r e s t R a t e s p e r A n n u m C a ll M o n e y
2 .6 6 - 6 .4 5 8 .9 5
I n t e r c o m p a n y M u d h a r a b a h I n v e s t m e n t C e r t ific a t e 2 . 7 5
- - D e m a n d D e p o s it s
3 .9 5 4 .1 7
D e p o s it o n C a ll 7 .7 5
8 .3 1 I n fo r m a t io n r e g a r d in g p e r io d a n d in t e r e s t o f d e p o s it s fr o m o t h e r B a n k s a r e a s fo llo w s :
2 0 0 9 P e r io d
I n t e r e s t R a t e p e r Y e a r
T o t a l R p
C a ll M o n e y 4 - 9 0 d a y s
2 .6 6 - 6 .4 5 6 4 4 ,2 7 2 ,5 2 4 ,3 9 9
M u d h a ra b a h In te r b a n k In v e s t m e n t C e r t ific a t e 3 m o n th s
2 .7 5 4 6 ,9 7 5 ,0 0 0 ,0 0 0
D e m a n d D e p o s it s - -
3 .9 5 6 ,8 5 6 ,1 2 9 ,8 5 0
T im e D e p o s it s 1 - 6 m o n th s
7 .7 5 2 ,3 7 0 ,0 0 0 ,0 0 0
T o t a l 7 0 0 ,4 7 3 ,6 5 4 ,2 4 9
2 0 0 8 P e rio d
I n t e r e s t R a t e p e r Y e a r
T o t a l R p
C a ll M o n e y 5 - 1 4 d a y s
8 .9 5 1 ,0 3 6 ,6 0 8 ,8 8 8 , 8 9 5
D e m a n d D e p o s it s - -
4 .1 7 8 ,3 5 1 ,4 9 4 ,9 0 8
T im e D e p o s it s 3 m o n th s
8 .1 3 2 ,3 7 0 ,0 0 0 ,0 0 0
T o t a l 1 ,0 4 7 ,3 3 0 ,3 8 3 ,8 0 3
Laporan Tahunan 2009 Annual Report
309
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
3 8 1 7 .
S E C U R I T I E S I S S U E D 2 0 0 9
2 0 0 8
B o n d s - B a n k D K I IV fo u r - -
7 0 0 ,0 0 0 ,0 0 0 ,0 0 0 B o n d s - B a n k D K I V fiv e
4 2 5 ,0 0 0 ,0 0 0 ,0 0 0 4 2 5 ,0 0 0 ,0 0 0 ,0 0 0
E m is s io n C o s t - B o n d s Is s u e d 1 ,5 3 7 ,5 0 7 ,7 0 6
2 ,8 2 2 ,3 0 0 ,0 9 8 4 2 3 ,4 6 2 ,4 9 2 ,2 9 4
1 ,1 2 2 ,1 7 7 ,6 9 9 ,9 0 2 B o n d s P u r c h a s e d b y B a n k D K I I V fo u r
- - 2 5 3 ,5 0 0 ,0 0 0 ,0 0 0
4 2 3 ,4 6 2 ,4 9 2 ,2 9 4 8 6 8 ,6 7 7 ,6 9 9 ,9 0 2
B o n d s - S u b o rd in a tio n I o n e 3 2 5 ,0 0 0 ,0 0 0 ,0 0 0
3 2 5 ,0 0 0 ,0 0 0 ,0 0 0 E m is s io n C o s t- B o n d Is s u e d
1 ,1 8 1 ,6 2 9 ,9 2 3 1 ,5 4 5 ,2 0 8 ,3 5 9
B o n d s - N e t 7 4 7 ,2 8 0 ,8 6 2 ,3 7 1
1 ,1 9 2 ,1 3 2 ,4 9 1 ,5 4 3
T h e B a n k is s u e d B o n d s o f B a n k D K I I V fo u r a m o u n t e d R p 7 0 0 ,0 0 0 ,0 0 0 ,0 0 0 , w it h 5 fiv e y e a r p e rio d s in c e 2 0 0 4 a n d w ill b e d u e in 2 0 0 9 . T h e b o n d s h a v e fix e d in te r e s t ra t e o f 1 2 . 5 0 p e r a n n u m . T h e
b o n d s in t e re s t w ill b e p a id e v e ry 3 m o n t h s o n t h e d a t e o f 1 7 . A s o f D e c e m b e r 3 1 , 2 0 0 8 , t h e B o n d s o f B a n k D K I IV o b ta in ra tin g o f id A - P e fin d o .
T h e B o n d s o f B a n k D K I V fiv e a m o u n t e d R p 4 2 5 ,0 0 0 ,0 0 0 ,0 0 0 , w it h 5 fiv e y e a r p e rio d s in c e 2 0 0 8 a n d w ill b e d u e in 2 0 1 3 , w ith fix e d in t e r e s t ra te o f 1 1 .2 5 p e r a n n u m . T h e b o n d s in t e r e s t w ill b e p a id
e v e ry 3 m o n th s o n th e d a te o f 4 . A s o f D e c e m b e r 3 1 , 2 0 0 8 , th e B o n d s o f B a n k D K I V o b ta in e d ra t in g o f id A - P e fin d o .
T h e S u b o rd in a tio n I o n e B o n d s o f B a n k D K I a m o u n t e d R p 3 2 5 ,0 0 0 ,0 0 0 ,0 0 0 , w it h 1 0 t e n y e a r p e rio d s in c e 2 0 0 8 a n d w ill b e d u e in 2 0 1 8 , w ith f ix e d in t e r e s t ra t e o f 1 2 .2 5 p e r a n n u m fo r th e firs t u n t il
t h e fift h y e a r s a n d a m o u n t e d to 2 2 . 2 5 p e r a n n u m fo r t h e s ix t h y e a r u n t il th e te n t h y e a r . B u y b a c k c a n b e e x e c u te d a ft e r t h e fift h y e a r s in c e d a t e d is s u e d . T h e b o n d s in t e r e s t w i l l b e p a id e v e r y 3
m o n th s o n th e d a te o f 4 . A s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , th e S u b o rd in a tio n I o n e B o n d s o f B a n k D K I o b t a in e d r a t in g o f id B B B + P e fin d o .
T h e B o n d s I V fo u r is lis t e d a t In d o n e s ia S to c k E x ch a n g e fo r m e r ly S u r a b a y a S to c k E x ch a n g e a n d t h e t r u s t e e o f b o n d is s u a n c e in 2 0 0 4 is P T B a n k B N I P e rs e r o T b k . S in c e 2 0 0 8 , t r u s t e e f o r B o n d s IV a n d
V is P T B a n k M e g a T b k . T h e B o n d s S u b o rd in a tio n I o n e o f B a n k D K I i s lis t e d a t In d o n e s ia S to c k E x ch a n g e a n d tr u s t e e o f
b o n d s is P T B a n k M e g a T b k .
310
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
3 9 1 7 .
S E C U R I T I E S I S S U E D C o n t i n u e d
B a s e d o n n o ta r ia l d e e d N o .1 8 o f N y . P o e r b a n in g s ih A d i W a r s it o , S H , d a te d M a r c h 1 0 , 2 0 0 8 , re g a r d in g A d d e n d u m o f T r u s t e e A g r e e m e n t B o n d s I V o f B a n k D K I o f 2 0 0 4 w it h fix e d in t e r e s t r a t e . B a n k w i t h
w r it t e n p e r m is s io n fr o m th e p re v io u s tr u s t e e P T B a n k B N I P e rs e ro T b k ., a p p o in t e d a n e w tr u s t e e , P T B a n k M e g a T b k ., w ith th e fo llo w in g re s tr ictio n s :
1 . I s s u e b o n d s o r o t h e r s im ila r p a y a b le in s t ru m e n t , w it h h ig h e r r a n k a n d p a y m e n t te r m in a d v a n c e
o f th e e x is t in g b o n d . 2 .
U s e th e w h o le o r p a r t ia l in c o m e o r a s s e t o f th e B a n k . 3 .
C o n d u c t c h a n g e o f m a in b u s in e s s n o r a llo w o r a p p r o v e s u b s id ia r y t o c h a n g e it s m a in b u s in e s s . 4 .
D e c r e a s e in a u t h o r iz e d a n d p a id c a p ita l. 5 .
C o n d u c t m e r g e r , c o n s o lid a t io n , a c q u is it io n w it h o t h e r e n t it y w h ic h w o u ld d e t e r m in a t e t h e B a n k , o r h a v e
n e g a t iv e im p a c t r e g a r d in g B a n k ’s g o in g co n c e r n . 6 .
S e ll o r d iv e r t a s s e t to w h ic h e v e r p a rt y e x c e p t if th e s a le o r d iv e r t e v e n in o n e t r a n s a c t io n o r c o m b in e d in 1 o n e c u rr e n t y e a r d o e s n o t e x c e e d 2 0 o f B a n k ’s t o t a l a s s e t b a s e d o n th e la s t
a u d it e d fin a n c i a l s t a t e m e n t . 7 .
C o n d u c t t r a n s a c t io n w it h a ffilia t e d c o m p a n ie s e x c e p t fo r th e tr a n s a c t io n th a t is c o n s id e r e d p r o fit a b le fo r B a n k o r w it h c o n d it io n t h a t a r e a t le a s t e q u a l t o c o n d it io n w it h t h i r d p a r t y a s a r m
le n g t h tr a n s a c tio n s b a s is . 8 .
P ro v id e lo a n o r in v e s t m e n t in s t o ck s w it h o th e r p a rt ie s o r c o n s e n t s u b s id ia rie s if a n y to p ro v id e lo a n o r in v e s t m e n t in s h a r e w it h o t h e r p a r t ie s e x c e p t r e la t e d w it h n o r m a l p r in c ip a l b u s in e s s
a c t iv it y o r re la t e d w it h o p e r a t io n a l fa c ilit y e s ta b lis h m e n t o f B a n k a n d o r r e la t e d s u b s i d ia r y if a n y a n d p ro v id e lo a n to e m p lo y e e , c o o p e r a tiv e s a n d e m p lo y e e ’s fo u n d a t io n o f B a n k a n d o r p r o v id e
lo a n t o e m p lo y e e , c o o p e r a t iv e s a n d B a n k e m p lo y e e ’s fo u n d a t io n o f s u b s id ia r y ’s if a n y . I n 2 0 0 8 , B a n k h a d a b u y b a c k t r a n s a c t io n o f B o n d s I V w it h a c q u is i t io n c o s t a m o u n t in g t o
R p 2 5 3 ,5 0 0 ,0 0 0 ,0 0 0 a n d h a s r e c o r d e d g a in o n b u y b a c k t r a n s a c t io n a m o u n t e d t o R p 2 6 7 ,5 0 0 ,0 0 0 in o t h e r n o n o p e r a t in g in c o m e e x p e n s e – n e t s e e N o t e s 3 0 .
B a n k h a s c o m p le t e d lia b ilit ie s o n b o n d s f o r th e y e a r 2 0 0 9 a n d 2 0 0 8 , a m o u n t e d to R p 1 1 5 ,5 3 1 ,2 5 0 ,0 0 0 a n d R p 1 2 3 ,3 7 5 ,0 0 0 ,0 0 0 a n d c h a r g e s a m o u n te d to R p 1 1 3 ,5 1 5 ,7 9 8 ,6 1 1 a n d R p 1 2 9 ,9 4 1 ,3 1 9 .4 4 7 .
Laporan Tahunan 2009 Annual Report
311
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
4 0 1 8 .
B O R R O W I N G 2 0 0 9
2 0 0 8
M in is t r y o f F in a n c e 8 5 ,0 0 1 ,3 0 6 ,0 8 6
6 0 ,0 0 3 ,3 8 9 ,6 1 8 P T B a n k T a b u n g a n N e g a r a P e r s e r o
2 ,2 5 1 ,9 2 4 ,2 0 8 3 ,2 1 3 ,1 5 3 ,4 2 5
B a n k I n d o n e s ia 1 ,7 1 3 ,0 8 3 ,0 4 4
2 ,0 2 6 ,5 7 5 ,3 5 4 S ta n d a r d C h a r t e r e d B a n k J a k a r t a
9 4 ,0 5 7 ,4 1 1 ,1 5 6 1 9 0 ,9 6 8 ,0 8 0 ,6 6 0
P T S a r a n a M u lt ig r iy a F in a n c e 2 7 ,2 8 4 ,0 0 0 ,0 0 0
3 0 ,3 2 4 ,0 0 0 ,0 0 0
T o t a l 2 1 0 ,3 0 7 ,7 2 4 ,4 9 4
2 8 6 ,5 3 5 ,1 9 9 ,0 5 7 I M in i s t r y o f F in a n c e
2 0 0 9 2 0 0 8
B o r r o w in g fo r m ic r o a n d s m a ll b u s in e s s cre d it 8 5 ,0 0 0 ,0 0 0 ,0 0 0
6 0 ,0 0 0 ,0 0 0 ,0 0 0 F u n d s B o rr o w in g -R o llin g
1 ,3 0 6 ,0 8 6 3 ,3 8 9 ,6 1 8
T o t a l 8 5 ,0 0 1 ,3 0 6 ,0 8 6
6 0 ,0 0 3 ,3 8 9 ,6 1 8
T h is a c c o u n t c o n s is t s o f c r e d it f a c i l it ie s fr o m F in a n c e D e p a r t m e n t o f R e p u b lic o f In d o n e s ia fo r m ic ro a n d s m a ll b u s in e s s lo a n s , in t h e a m o u n t o f R p 5 0 ,0 0 0 ,0 0 0 a n d R p 5 0 0 ,0 0 0 ,0 0 0 , re s p e c tiv e ly .
F in a n c e D e p a r t m e n t w ill p r o v id e fu n d s fo r m ic r o a n d s m a ll b u s in e s s c r e d it o f R p 5 0 ,0 0 0 ,0 0 0 . T h is b o r r o w in g w ill b e c h a r g e d in te r e s t a s m u ch a s S B I ’ s in te r e s t r a t e fo r 3 t h re e m o n th s , w h ile B a n k
g iv e s in t e r e s t t o d e b t o r s , a s h ig h a s 1 0 a b o v e S B I ’ s in t e r e s t r a t e s fo r 3 t h r e e m o n t h s t o m ic r o a n d a s h ig h a s 7 a b o v e S B I ’s in t e r e s t r a t e fo r 3 t h r e e m o n t h ’s t o s m a ll b u s in e s s .
P a y m e n t o f p rin c ip a l lo a n c o n s is t s o f 5 fiv e t im e in s t a llm e n ts e q u a lly e v e r y J u n e 1 0 t h a n d D e c e m b e r 1 0 th , w h ic h s t a r t e d o n D e c e m b e r 1 0 , 2 0 0 7 a n d e n d e d D e c e m b e r 1 0 , 2 0 0 9 .
F in a n c e D e p a r t m e n t in F in a n c e M in is t r y le t t e r d a te d N o v e m b e r 1 6 , 2 0 0 7 r e g a r d in g e x t e n s io n o f t e rm S U -0 0 5 in a c c o rd a n c e w it h F in a n c e M in is t r y L e tt e r N o S - 5 2 8 M K .0 5 2 0 0 7 d a te d N o v e m b e r
8 , 2 0 0 7 h a s o ffe r e d e x t e n s io n o f p rin c ip a l r e p a y m e n t te r m p e rio d s fo r 1 0 t e n y e a r s fo r m e r ly fr o m D e c e m b e r 1 0 , 2 0 0 7 u p t o D e c e m b e r 1 0 , 2 0 0 9 b e c o m e D e c e m b e r 1 0 , 2 0 1 7 u p t o D e c e m b e r 1 0 ,
2 0 1 9 . If B a n k a g r e e s w it h t h e o f fe r , it h a s B a n k t o s u b m it a w r it te n r e q u e s t a d d r e s s e d to F in a n c e M i n i s t r y a n d a lo n g w it h P e rfo r m a n c e R e p o r t o f S m a ll M e d iu m E n te r p r is e C r e d it D is t r ib u tio n
K U M K a n d o t h e r s ig n ific a n t in fo r m a t io n b e fo r e D e c e m b e r 3 , 2 0 0 7 . F in a n c e D e p a r t m e n t in F in a n c e M in is t r y in its le t t e r d a t e d O c t o b e r 6 , 2 0 0 8 , a g re e d to in c r e a s e t h e
lo a n p la fo n d o f S U - 0 0 5 fu n d fo r S m a ll M e d iu m E n t e r p r is e C r e d it D is t r i b u t io n a m o u n t in g t o R p 2 5 ,0 0 0 ,0 0 0 ,0 0 0 , a s st ip u la t e d in th e le t t e r o f t h e M in is t e r o f F in a n c e N o . S -5 4 1 M K . 0 5 2 0 0 8
s o th e p la fo n d b e c o m e a m o u n t in g R p 8 5 ,0 0 0 ,0 0 0 ,0 0 0 .
312
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
4 1 1 8 .
B O R R O W I N G C o n t i n u e d
T h e re is a n a m e n d m e n t t o lo a n a g r e e m e n t N o . A M A - 4 2 K P -0 3 2 D S M I 2 0 0 9 , s t a tin g t h a t th e re h a s b e e n a n e x t e n s io n t o t h e p e r io d o f lo a n o f S m a ll M e d iu m E n te r p r is e C r e d it D is t r ib u tio n fu n d t o 1 0
t e n y e a rs . T h e p e r io d o r ig in a lly s t a rt e d fr o m D e ce m b e r 1 0 , 2 0 0 7 to D e c e m b e r 1 0 , 2 0 0 9 ; a ft e r t h e a m e n d m e n t it s t a r t e d f ro m D e c e m b e r 1 0 , 2 0 1 7 t o D e c e m b e r 1 0 , 2 0 1 9 . T h is is in a c c o r d a n c e
w it h th e le t t e r N o . S -3 2 0 7 P B 2 0 0 8 d a t e d A p r il 2 1 , 2 0 0 8 , in w h ic h is a ls o s t a t e d th a t th e e x t e n s io n o f lo a n p e r io d is v a lid s in c e th e d a te o f th e e x e c u tio n o f th e a g re e m e n t to D e c e m b e r 1 0 , 2 0 1 9 ,
a n d th e la s t d a t e o f t h e s u b m is s io n o f lo a n w ith d r a w a l r e q u e s t b y B a n k D K I is M a r c h 3 1 , 2 0 0 9 a n d t h e p a y m e n t o f th e fir s t in s t a llm e n t s t a rt s o n D e c e m b e r 1 0 , 2 0 1 7 a n d e n d s o n D e c e m b e r 1 0 ,
2 0 1 9 . T h e a m e n d m e n t o f th e lo a n a g re e m e n t is s t ill in th e p ro ce s s o f s ig n a tu r e . T h e lo a n h a s b e e n d is t r ib u te d a s th e g o v e r n m e n t p r o g r a m c r e d it a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d
2 0 0 8 in th e a m o u n t o f R p 7 4 ,9 7 9 ,6 7 2 ,0 0 0 a n d R p 7 4 ,3 1 8 ,1 7 1 ,9 2 8 , re s p e c tiv e ly .
ii P T B a n k T a b u n g a n N e g a r a P e r s e r o
2 0 0 9 2 0 0 8
S y n d ic a t e d L o a n s 7 3 4 ,0 5 6 ,0 8 5
1 ,3 6 7 ,9 2 6 ,3 2 2 B o r r o w in g o f In v e s t m e n ts F u n d A c c o u n t
1 ,5 1 7 ,8 6 8 ,1 2 3 1 ,8 4 5 ,2 2 7 ,1 0 3
T o t a l 2 ,2 5 1 ,9 2 4 ,2 0 8
3 ,2 1 3 ,1 5 3 ,4 2 5 a .
S y n d ic a te d L o a n s
T h is a c c o u n t re p r e s e n ts th e b a la n ce fr o m s y n d ic a t e d lo a n s w it h B a n k T a b u n g a n N e g a r a fo r t h e p u r p o s e o f h o u s in g lo a n s K P R . F o r e a ch lo a n , B a n k T a b u n g a n N e g a r a w ill p r o v id e
b o r r o w in g fu n d s o f 8 0 fr o m t h e lo a n lim it g iv e n , w h ile t h e r e m a in in g w ill b e c o v e re d b y t h e B a n k .
b . B o r r o w in g o f I n v e s tm e n ts F u n d A c c o u n t
T h is a c c o u n t r e p r e s e n ts th e b o r r o w in g a c c o u n t fo r th e p u r p o s e o f h o u s in g lo a n s K P R - R S S a n d K P R - R S t h a t a re re c e iv e d fr o m th e G o v e rn m e n t o f R e p u b lic o f In d o n e s ia t h r o u g h
P T B a n k T a b u n g a n N e g a r a a s c o o rd in a to r in d is b u r s in g th e fu n d b o r r o w in g o f In v e s t m e n t F u n d A c c o u n t .
iii B a n k In d o n e s ia
T h is a c c o u n t r e p r e s e n t s t h e b o r r o w in g a c c o u n t fo r t h e p u r p o s e o f h o u s in g lo a n s K P R - R S S a n d K P R - R S th a t a r e r e c e iv e d fr o m B a n k In d o n e s ia .
Laporan Tahunan 2009 Annual Report
313
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
4 2 1 8 .
B O R R O W I N G C o n t i n u e d
B a s e d o n t h e h o u s in g lo a n a g r e e m e n t , f o r e a c h K P R S R S S , B I w ill p ro v id e liq u id it y c r e d it o f 6 2 .5 0 fo r h o u s in g lo a n T 3 6 , 6 0 .0 0 fo r h o u s in g lo a n T 2 1 a n d 6 7 .5 0 fo r h o u s in g lo a n – R S S
fr o m th e lim it g iv e n b y t h e B a n k , w h ile t h e r e m a in in g w ill b e c o v e r e d b y t h e B a n k . T h is b o rr o w in g w ill b e c h a r g e d 3 , 3 a n d 9 p e r y e a r c a lc u la t e d fr o m t h e B a n k ’ s b o r ro w in g b a la n c e to B I ,
w h ile t h e B a n k w ill re c e iv e 8 .5 , 1 1 a n d 1 4 p e r y e a r fo r h o u s in g lo a n p r o v id e d . D e t a ils o f h o u s in g lo a n p r o g r a m a r e a s fo llo w s :
2 0 0 9 2 0 0 8
C r e d it L iq u id it y K P R - R S 1 ,5 7 8 ,5 9 2 ,4 1 9
1 ,8 9 2 ,0 8 4 ,7 2 9 C r e d it L iq u id it y K P R - R S S
1 3 4 ,4 9 0 ,6 2 5 1 3 4 ,4 9 0 ,6 2 5
T o t a l 1 ,7 1 3 ,0 8 3 ,0 4 4
2 ,0 2 6 ,5 7 5 ,3 5 4 iv
S t a n d a r d C h a r t e r e d B a n k J a k a r t a
O n D e c e m b e r 7 , 2 0 0 7 t h e B a n k r e c e iv e d s y n d ic a t e d lo a n s f r o m s e v e r a l b a n k s in w h ic h S t a n d a r d C h a r t e r e d B a n k J a k a r t a a c t s a s t h e a g e n t a n d fr o m s e v e r a l o t h e r b a n k s in w h ic h t h e y a c t a s th e
le a d a rr a n g e r . T h e b a n k s a n d th e lo a n s a r e : a .
S t a n d a r d C h a r te r e d B a n k B r a n c h o f J a k a r t a B r a n c h a c t s a s b o t h t h e p a y in g a n d s e c u r i t y a g e n t g ra n te d a lo a n a m o u n t in g to U S D 4 ,5 0 0 ,0 0 0 .
b . P T B a n k M a n d ir i P e r s e r o T b k B r a n c h o f D ili- T im o r L e s t e g r a n te d a lo a n a m o u n t in g
t o U S D 2 ,5 0 0 ,0 0 0 . c .
P T B a n k M a n d ir i P e r s e r o T b k B ra n c h o f H o n g k o n g g r a n t e d a lo a n a m o u n t in g t o U S D 3 ,0 0 0 ,0 0 0
d . P T B a n k M a n d ir i P e rs e ro T b k B r a n c h o f C a y m a n I s l a n d s g r a n t e d a lo a n
a m o u n t in g t o U S D 2 ,5 0 0 ,0 0 0 . e .
P T B a n k P a n I n d o n e s ia T b k g ra n te d a lo a n a m o u n t in g to U S D 9 ,5 0 0 ,0 0 0 . f.
P T B a n k N e g a ra I n d o n e s ia P e r s e ro T b k B r a n c h o f H o n g k o n g g ra n t e d a lo a n a m o u n t in g to U S D 3 ,7 5 0 ,0 0 0 .
g . P T B a n k N e g a ra In d o n e s ia P e r s e ro T b k B r a n c h o f T o k y o g r a n t e d a lo a n
a m o u n t in g t o U S D 3 ,7 5 0 ,0 0 0 . h .
T h e B a n k o f T o k y o - M it s h u b is h i U F J , L t d B ra n c h o f J a k a rt a g r a n t e d a lo a n a m o u n t in g t o U S D 4 ,5 0 0 ,0 0 0 .
I . P T B a n k P e r m a t a T b k g ra n te d a lo a n a m o u n t in g to U S D 4 ,5 0 0 ,0 0 0 .
314
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
4 3 1 8 .
B O R R O W I N G C o n t i n u e d
T h e t o ta l lo a n fa c i lit y is U S D 3 8 ,5 0 0 ,0 0 0 w it h 3 y e a r p e rio d a n d in te r e s t ra t e o f L I B O R p lu s 2 m a r g in . A m o n g o t h e r s , th e c o n d itio n s o f th e lo a n fa c ility a r e ; t h e B a n k d o e s n o t h a v e t o s e ll,
t r a n s fe r o r g iv e u p a n y o f t h e b a n k ’s a s s e ts e it h e r b y re n t in g t h e a s s e ts o f w h ic h w ill b e o w n e d b y th e t e n a n t o r o t h e r m e m b e r s , a n d t h e B a n k d o e s n o t h a v e t o t r a n s fe r o r g iv e u p it s r e c e iv a b l e s .
T h is lo a n i s t o b e c h a n n e lle d t o t h e e x p o r t o r i e n t e d c u s t o m e r s o f t h e s h a r ia u n it o r c u s t o m e r s w h o s e in c o m e is in fo re ig n c u r r e n c ie s U n it e d S t a te s D o lla r . T h e B a n k h a s c h a n n e lle d th e lo a n
fa c ilit y re c e iv e d fr o m S ta n d a r d C h a r t e r e d B a n k t o d e b to r s in t h e s h a r ia u n it a s o f D e c e m b e r 3 1 , 2 0 0 9 fo llo w s :
P l a fo n d O u t s ta n d in g
P e r io d U S D
U S D
1 . P T E n e r g y S p e c t r u m 9 , 4 0 0 , 0 0 0
9 , 2 3 4 , 1 8 0 5 Y e a r s
2 . P T I n d o n e s i a A ir T r a n s p o r t 2 , 0 0 0 , 0 0 0
1 , 3 7 5 , 0 0 0 4 Y e a r s
3 . P T S u m b e r D a y a K e lo la 1 0 , 0 0 0 , 0 0 0
9 , 0 5 0 , 0 0 0 5 Y e a r s
4 . P T A r y a V e n t u r a R e a lit y 3 , 5 0 0 , 0 0 0
2 , 6 0 0 , 0 0 0 7 Y e a r s
I n 2 0 0 8 t h e B a n k m a d e a w it h d r a w a l fr o m t h e lo a n fa c ilit y in t h e a m o u n t o f U S D 2 5 ,0 2 8 ,5 8 2 a n d m a d e p a y m e n t o f p r in c ip a l lia b ilit y in t h e a m o u n t o f U S D 7 ,5 0 8 ,5 7 4 .6 0 a n d m a r g in in th e
a m o u n t o f U S D 1 ,1 7 8 ,3 3 8 .6 7 . I n 2 0 0 9 t h e B a n k m a d e a p a y m e n t o f p rin c ip a l lia b ilit y in th e a m o u n t o f U S D 7 ,5 0 8 , 5 7 4 . 6 0 a n d
m a r g in in th e a m o u n t o f U S D 1 8 6 ,8 3 8 .7 5 . L o a n p r in c ip a l b a la n c e a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a r e a m o u n t in g o f U S D 1 0 ,0 1 1 ,4 3 2 a n d U S D 1 7 ,5 2 0 ,0 0 7 .4 0 , re s p e c tiv e ly .
T o c o v e r t h e m a rk e t ris k o f th e c h a n g e o f fo re ig n c u r r e n c ie s e x c h a n g e ra te , th e B a n k m a d e m o n t h ly s w a p b u y s e ll t h r o u g h P T B a n k E k s p o r I n d o n e s i a P e r s e r o a n d P T B a n k M a n d ir i
P e r s e r o , T b k a m o u n t in g to U S D 5 ,5 0 0 ,0 0 0 , r e s p e c t iv e ly . s e e N o t e 3 4 .
V P T S a r a n a M u l t i G r iy a F in a n c e
O n S e p t e m b e r 2 4 , 2 0 0 8 , th e B a n k e n t e r e d in t o a L o a n A g r e e m e n t w it h P T S a r a n a M u lt ig r iy a F in a n s ia l
P e r s e r o , N o .
0 2 4 P P S M F - D K I IX 2 0 0 8 fo r
th e p u r p o s e
o f h o u s in g
l o a n K P R
a m o u n t in g to A flo p e n d u n re v o lv in g R p 1 0 0 ,0 0 0 ,0 0 0 ,0 0 0 O n e H u n d re d B illio n R u p ia h , e x c lu d in g in te r e s t , p ro v is io n s a n d o th e r e x p e n s e s . T h e p e rio d o f th e lo a n is 1 0 t e n y e a r s , s t a r t in g o n
S e p t e m b e r 2 4 , 2 0 0 8 u n til S e p te m b e r 2 4 , 2 0 1 8 . I n t e r e s t a m o u n t in g 1 0 . 5 0 p e r a n n u m i s c a lc u la t e d i n m o n t h ly r e s t o r e q u iv a le n t t o e ffe c t iv e r a t e
c a lc u la t e d s in c e th e d a te th e lo a n is d ro p p e d u n til t h e d a t e th e e n tir e a m o u n t o f lo a n is p a id u p a n d a d m in is t r a tiv e fe e o f 0 .2 5 o f th e to ta l d r o p p in g a m o u n t is c h a rg e d .
O n S e p t e m b e r 2 4 , 2 0 0 8 th e B a n k re c e iv e d s t a g e I d r o p p in g o f t h e lo a n in t h e a m o u n t R p 3 0 ,4 0 0 ,0 0 0 ,0 0 0 w it h fix e d in te r e s t ra te o f 1 0 .5 0 fo r th e fir s t 5 y e a r s , w h ic h w ill m a t u re o n
S e p t e m b e r 2 4 , 2 0 1 3 .
Laporan Tahunan 2009 Annual Report
315
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
4 4 1 9 .
A C C R U A L S A N D O T H E R L I A B I L I T I E S 2 0 0 9
2 0 0 8
S h a ria L ia b ilit ie s 1 8 ,8 8 4 ,4 2 4 ,2 5 7
1 8 ,6 1 0 ,6 2 2 ,0 9 6 S e c u rit y D e p o s its
2 6 ,1 3 3 ,5 4 1 ,3 2 8 3 0 ,2 4 9 ,4 5 2 ,4 8 6
E m p lo y e e E x p e n s e s L ia b ilit y 5 6 ,3 8 2 ,2 2 9 ,9 8 0
5 8 ,6 6 8 ,1 3 4 ,7 3 0 A c c r u e d L ia b ilit ie s -
B a n k O p e r a t io n a l 1 3 ,3 1 5 ,5 0 7 ,6 8 2
6 ,6 5 8 ,1 3 8 ,6 1 5 L e g a l P r o v is io n s e e N o t e 3 4
8 ,0 0 0 ,0 0 0 ,0 0 0 8 ,0 0 0 ,0 0 0 ,0 0 0
T h ir d P a r t y L ia b ilit y 2 4 ,0 8 0 ,8 3 0 ,8 9 8
1 7 ,7 4 3 ,2 0 6 ,9 5 9 A c c r u e d L ia b ilit ie s - F in a n c in g
6 ,9 4 2 ,5 2 0 ,3 8 9 9 ,4 0 3 ,5 6 8 ,9 5 1
D e f e r r e d In c o m e 3 ,7 8 3 ,5 8 6 ,7 2 1
3 ,9 7 9 ,5 4 6 ,1 3 9 A c c r u e d L ia b ilit ie s - O ffic e O v e r h e a d
2 ,7 0 9 ,8 0 3 ,6 0 0 2 ,3 4 3 ,7 0 1 ,4 7 8
S h a rin g L ia b ilit ie s fr o m L o a n 7 5 0 ,3 1 1 ,6 6 3
1 ,4 4 7 ,8 9 0 ,3 8 2 O t h e r s
5 5 7 ,0 8 0 ,3 2 9 1 ,3 1 0 ,3 4 4 ,2 3 2
T o t a l 1 6 1 ,5 3 9 ,8 3 6 ,8 4 7
1 5 8 ,4 1 4 ,6 0 6 ,0 6 8 2 0 .
T A X A T I O N a .
P r e p a id T a x e s 2 0 0 9
2 0 0 8
O v e r P a y m e n t C o r p o r a t e I n c o m e T a x o f 2 0 0 6 1 ,2 2 8 ,7 7 1 ,9 8 2
6 ,0 3 2 ,5 6 6 ,1 8 0
T o t a l 1 ,2 2 8 ,7 7 1 ,9 8 2
6 ,0 3 2 ,5 6 6 ,1 8 0
B a s e d o n T a x A s s e s s m e n t L e t t e r O v e r P a y I n c o m e T a x N o . 0 0 0 1 4 4 0 6 0 6 0 7 3 0 9 d a te d D e ce m b e r 2 2 , 2 0 0 9 , a c c o r d in g to th e r e s u lt s o f t a x e x a m in a t io n s , th e a m o u n t o f ta x o v e r p a y m e n t o f In c o m e
T a x A r t ic le 2 5 2 9 o f 2 0 0 6 w a s R p 2 ,1 5 2 ,2 4 3 ,6 0 0 a n d w h e n c a lc u la t e d w ith in c o m e ta x d e b t A r t ic le 2 3 a n d A r t ic le 4 2 fin a l in 2 0 0 6 a m o u n te d t o R p 9 2 3 ,4 7 1 ,6 1 8 th e n th e p r e p a id t a x a s o f
D e c e m b e r 3 1 , 2 0 0 9 a m o u n t in g to R p 1 ,2 2 8 ,7 7 1 ,9 8 2 .
316
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
4 5 2 0 .
T A X A T I O N C o n t i n u e d b .
T a x e s P a y a b le 2 0 0 9
2 0 0 8
I n c o m e T a x A r t ic le 2 1 - W a p u 6 ,5 3 0 ,7 9 5 ,6 6 8
7 ,7 7 4 ,4 8 1 ,7 2 5 I n c o m e T a x A r t ic le 2 5 - W a p u
- - 5 ,1 0 7 ,6 7 3 ,8 5 8
I n c o m e T a x A r t ic le 4 F in a l - W a p u 4 ,2 7 3 ,4 7 1 ,7 9 5
3 ,2 9 0 ,2 8 8 ,6 7 0 I n c o m e T a x A r t ic le 2 3 S e r v ic e - W a p u
2 ,5 3 3 ,4 5 1 ,3 2 3 3 ,2 0 8 ,3 7 1 ,8 8 2
V a lu e A d d e d T a x 4 1 ,7 2 0 ,3 0 0
4 1 ,7 2 0 ,3 0 0 I n c o m e T a x A r t ic le 2 9 - W a p u
6 ,7 9 1 ,5 3 6 ,3 2 0 1 2 ,9 1 1 ,6 9 6 ,2 3 3
T a x D e p o s it s t h a t w ill b e P a id a s B a n k P e r s e p s i 7 ,3 1 5 ,6 5 5 ,8 4 2
1 ,7 1 1 ,7 9 9 ,2 2 7
T o t a l 2 7 ,4 8 6 ,6 3 1 ,2 4 8
3 4 ,0 4 6 ,0 3 1 ,8 9 5 c .
C o r p o r a te I n c o m e T a x
R e c o n c ilia t io n b e t w e e n p ro fit b e fo r e in c o m e ta x a s p r e s e n te d in s t a t e m e n ts o f in c o m e a n d e s t im a t e d fis c a l p r o fit o f th e B a n k a r e a s fo llo w s :
2 0 0 9 2 0 0 8
P r o fit B e fo r e E s t i m a t e d I n c o m e t a x A c c o r d in g t o S ta t e m e n t o f In c o m e
2 0 1 ,1 8 4 ,6 7 7 ,4 2 3 1 7 1 ,9 4 7 ,6 2 0 ,3 5 8
T im in g D iffe re n c e s A llo w a n c e fo r P o s s ib le L o s s e s o n E a r n in g A s s e t s
1 8 ,4 0 7 ,2 2 7 , 0 8 2 1 8 ,1 5 2 ,6 5 5 ,0 8 4
P e rm a n e n t D iffe re n c e s G a in o n S a le o f F ix e d A s s e t s
5 , 5 9 2 , 8 2 4 , 5 2 7 - -
T h ir d P a r t y S e rv ic e a n d M a r k e t in g 2 ,3 3 4 ,2 7 0 ,2 8 3
1 ,8 8 7 ,9 8 5 ,9 6 9 I n c o m e o n E m p lo y e e s L o a n
3 ,8 2 9 ,7 1 4 ,8 0 1 6 ,0 0 1 ,7 3 1 ,4 7 4
N o n O p e r a tio n a l E x p e n s e s 2 ,7 3 0 ,6 3 7 ,5 0 8
6 ,0 6 1 ,0 8 0 ,7 3 7 I n c o m e D iffe r e n c e s o n S e cu rit ie s V a lu a tio n -N e t
7 5 2 ,3 4 2 ,1 4 8 7 0 8 ,7 0 8 ,4 4 9
T o ta l 2 2 ,4 6 1 ,3 6 7 ,2 9 5
3 1 ,3 9 4 ,7 4 4 ,8 1 5 T a x a b le In c o m e
2 2 3 ,6 4 6 ,0 4 4 ,7 1 8 2 0 3 ,3 4 2 ,3 6 5 ,1 7 3
R o u n d in g 2 2 3 ,6 4 6 ,0 4 4 ,0 0 0
2 0 3 ,3 4 2 ,3 6 5 ,0 0 0
Laporan Tahunan 2009 Annual Report
317
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
4 6 2 0 .
T A X A T I O N C o n t i n u e d 2 0 0 9
2 0 0 8
C a lc u la tio n o f C o r p o r a te I n c o m e T a x 2 0 0 8 : 1 0 x R p 5 0 ,0 0 0 ,0 0 0
- - 5 ,0 0 0 ,0 0 0
2 0 0 8 : 1 5 x R p 5 0 ,0 0 0 ,0 0 0 - -
7 ,5 0 0 ,0 0 0 2 8 x R p 2 2 3 .6 4 6 .0 4 4 .0 0 0 in 2 0 0 9
2 0 0 8 : 3 0 x R p 2 0 3 .2 4 2 .3 6 5 .0 0 0 6 2 ,6 2 0 ,8 9 2 ,3 2 0
6 0 ,9 7 2 ,7 0 9 ,5 0 0 T a x P a y a b le s
6 2 ,6 2 0 ,8 9 2 ,3 2 0 6 0 ,9 8 5 ,2 0 9 ,5 0 0
P r e p a id T a x e s 5 5 ,8 2 9 ,3 5 6 ,0 0 0
4 8 ,0 7 3 ,5 1 3 ,2 6 7
U n d e r O v e r P a y m e n t o f I n c o m e T a x 6 ,7 9 1 ,5 3 6 ,3 2 0
1 2 ,9 1 1 ,6 9 6 ,2 3 3 d .
D e f e r r e d T a x A s s e t s
December 31, 2007 Charged to
Statements of Income
December 31, 2008 Charged to
Statements of Income
December 31, 2009
Excess on Allowance for Possible Losses on Earning Assets
15,354,491,300 5,445,796,525
20,800,287,825 2,128,330,326
22,928,618,151
Deferred Tax Assets 15,354,491,300
5,445,796,525 20,800,287,825
5,445,796,525 22,928,618,151
T h e c a l c u l a t io n o f in c o m e t a x fo r t h e y e a r s e n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 c o n fo r m s w it h B a n k a n n u a l ta x r e t u rn .
D e fe rr e d T a x A s s e ts a r is in g fr o m te m p o r a r y d iffe re n c e a n d a c c u m u la te d ta x lo s s c a rr y fo rw a rd c a n b e re c o g n iz e d if th e a m o u n t o f ta x a b le in c o m e fo r th e n e x t 5 fiv e y e a rs is a d e q u a te t o b e
c o m p e n s a te d w ith th e d e fe rr e d ta x a s s e ts re c o rd e d in b a la n c e sh e e ts . I n th e y e a rs e n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 th e re is n o t a x d is p u t e .
M a n a g e m e n t b e lie v e s th a t d e fe rr e d ta x a ss e ts p r o v id e d is re c o v e ra b le .
318
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
4 7 2 1 .
C A P I T A L S T O C K
C o m p o s itio n s o f sh a re o w n e rs h ip co n s ist o f:
2 0 0 9 d a n 2 0 0 8 S h a r e s
N u m b e r o f P e r c e n t a g e
T o t a l R p
S e r ie s A S h a r e s M o n u m e n N a s io n a l R e g io n a l G o v e r n m e n t - D K I J a k a rt a
2 0 0 ,0 0 0 3 3 .3 1
2 0 0 ,0 0 0 ,0 0 0 ,0 0 0 S e r ie s B S h a re s
R e g io n a l G o v e r n m e n t - D K I J a k a rt a 3 9 9 ,3 2 5
6 6 .5 2 3 9 9 ,3 2 5 ,0 0 0 ,0 0 0
P D P a s a r J a y a 1 ,0 0 0
0 .1 7 1 ,0 0 0 ,0 0 0 ,0 0 0
T o t a l 6 0 0 ,3 2 5
1 0 0 .0 0 6 0 0 ,3 2 5 ,0 0 0 ,0 0 0
B a s e d o n n o t a r ia l d e e d o f N y . P o e r b a n in g s ih A d i W a r s it o , S H , N o . 1 0 1 d a t e d S e p t e m b e r 2 8 , 2 0 0 7 w h ic h is a re s t a t e m e n t o f n o t a r ia l d e e d o f N y . P o e r b a n in g s ih A d i W a r s it o , S H , N o . 2 5 d a t e d J u n e 1 2 , 2 0 0 7 ,
b a n k h a s in c r e a s e d a u th o riz e d c a p it a l fr o m R p 1 ,0 0 0 ,0 0 0 ,0 0 0 ,0 0 0 to R p 1 ,5 0 0 ,0 0 0 ,0 0 0 ,0 0 0 a n d p a id - in fr o m R p 5 5 3 ,9 1 7 ,0 0 0 ,0 0 0 t o R p 6 0 0 ,3 2 5 ,0 0 0 ,0 0 0 t h a t is fu lly fu n d e d b y R e g io n a l G o v e r n m e n t
– D K I J a k a r t a . T h e a d d it io n h a s b e e n a p p r o v e d b y M in is t e r o f J u s t i c e a n d H u m a n R ig h t s w it h D e c is io n L e t t e r N o . C - 0 4 1 1 1 .H T .0 1 .0 4 - T H . 2 0 0 7 d a te d N o v e m b e r 2 2 , 2 0 0 7 .
2 2 . A D V A N C E P A Y M E N T F O R S H A R E S U B S C R I P T I O N
T h is a c c o u n t is a d e p o s it m a d e b y s h a r e h o ld e rs fo r a d d it io n a l c a p it a l d u rin g th e y e a r , b u t h a s n o t s t re n g t h e n e d th r o u g h t h e im p le m e n t a t io n o f t h e R U P S a n d g e t a p p r o v a l fr o m t h e M in is t e r o f J u s t ic e
a n d H u m a n R ig h t s R e p u b lic o f In d o n e s ia , W h ic h c o u ld n o t b e c la s s ifie d a s p a id -u p s h a r e c a p ita l. I n a c c o rd a n c e w it h th e M in u t e s o f G e n e ra l M e e tin g o f S h a re h o ld e r s E x t r a o r d in a ry w a s n o ta ria l d e e d
b y N y . P o e rb a n in g s ih A d i W a rs it o , S .H , N o . 2 5 d a te M a y 8 , 2 0 0 9 , d e p o s it s o f c a p it a l fr o m th e p ro ce e d s o f c r e d it b illin g re m o v e th e b o o k in J u n e 1 9 9 9 a m o u n t in g t o R p 1 9 ,8 8 6 ,2 9 6 ,7 1 3 b u t o n ly p a id to th e
B a n k a m o u n t e d to R p 1 0 ,8 3 4 , 5 6 2 ,9 5 0 . T h is is in a cc o r d a n c e w it h th e D e c is io n o f th e G o v e r n o r o f J a k a r t a - C a p it a l S p e c ia l R e g io n N o .1 8 1 4 2 0 0 9 d a t e d D e c e m b e r 3 , 2 0 0 9 .
T h is a d d it io n a l c a p it a l in 2 0 0 8 a m o u n t in g t o R p 8 5 1 ,6 5 6 w a s d r iv e d fr o m th e e x c e s s o f t h e co lle c t io n o n r e m a in in g a s s e t lo a n s o f e x - B P P N fr o m A p ril 2 0 0 5 u n til A p r il 2 0 0 6 .
Laporan Tahunan 2009 Annual Report
319
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
4 8 2 3 .
R E T A I N E D E A R N I N G S 2 0 0 9
2 0 0 8
U n a p p r o p r ia t e d 1 3 4 ,8 8 0 ,3 7 6 ,6 5 7
9 0 ,5 6 3 ,3 7 6 ,6 5 7 A p p r o p r ia t e d
2 0 ,0 2 8 ,2 5 6 ,1 5 4 5 ,0 2 8 ,2 5 6 ,1 5 4
B a s e d o n t h e r e s u lt s o f B a n k ’s G e n e ra l S to ck h o ld e r s M e e t in g d a te d M a y 8 , 2 0 0 9 , a s s t a te d o n n o ta ria l d e e d N o . 2 4 o f N y . P o e rb a n in g s ih A d i W a r s it o , S .H ., a ll s t o c k h o ld e r s a g r e e to d is t r ib u te th e 2 0 0 8
in c o m e a f t e r t a x a s fo llo w s : a .
S to c k h o ld e r s ’ d iv id e n d is R p 5 4 ,0 9 1 ,0 0 0 ,0 0 0 ; b .
R e s e r v e s a r e R p 5 9 ,3 1 7 ,0 0 0 ,0 0 0 , c o n s is t in g o f u n a p p ro p r ia t e d r e s e r v e s in t h e a m o u n t o f R p 4 4 ,3 1 7 ,0 0 0 ,0 0 0 , a n d a p p r o p r ia t e d r e s e r v e s o f R p 1 5 ,0 0 0 ,0 0 0 ,0 0 0 ;
c . T a n tie m a n d S e r v ic e P r o d u c t io n in c e n tiv e s a re R p 3 6 ,0 0 0 ,0 0 0 ,0 0 0 ; a n d
d . W e lfa r e F u n d s is R p 3 ,0 0 0 ,0 0 0 ,0 0 0 .
B a s e d o n t h e r e s u lt s o f B a n k ’s G e n e ra l S to ck h o ld e r s M e e tin g d a t e d J u n e 2 0 , 2 0 0 8 , a s s t a te d o n n o ta ria l d e e d N o . 7 0 o f N y . P o e rb a n in g s ih A d i W a r s it o , S .H ., a ll s t o c k h o ld e r s a g r e e to d is t r ib u te th e 2 0 0 7
in c o m e a f t e r t a x a s fo llo w s : a .
S to c k h o ld e r s ’ d iv id e n d is R p 5 1 ,0 9 1 ,0 0 0 ,0 0 0 ; b .
R e s e r v e s a r e R p 2 1 ,0 0 0 ,0 0 0 ,0 0 0 , c o n s is t in g o f u n a p p ro p r ia t e d r e s e r v e s in t h e a m o u n t o f R p 2 0 ,0 0 0 ,0 0 0 ,0 0 0 , a n d a p p r o p r ia t e d r e s e r v e s o f R p 1 ,0 0 0 ,0 0 0 ,0 0 0 ;
c . T a n tie m a n d S e r v ic e P r o d u c t io n in c e n tiv e s a re R p 3 3 ,7 0 0 ,0 0 0 ,0 0 0 ; a n d
d . W e lfa r e F u n d s is R p 3 0 0 ,0 0 0 ,0 0 0 .
I n 2 0 0 8 , B a n k p u r c h a s e d B o n d s o f B a n k D K I IV fo u r a n d r e c o r d e d t h e p r o fit in t h e a m o u n t o f R p 2 6 7 ,5 0 0 ,0 0 0 .
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
4 9 2 4 .
I N T E R E S T I N C O M E 2 0 0 9
2 0 0 8
R u p ia h L o a n s
9 2 3 ,3 2 1 ,0 2 3 ,9 3 0 7 6 8 ,6 7 0 ,1 5 2 ,8 5 9
S e cu rit ie s 5 3 1 ,1 1 5 ,7 6 3 ,9 5 6
4 8 3 ,0 4 7 ,5 8 9 ,4 2 2 P la c e m e n t a n d C u r r e n t A c c o u n t s w it h
B a n k I n d o n e s ia 4 6 ,6 2 3 ,5 4 2 ,9 5 4
6 4 ,4 0 1 ,4 4 6 ,3 3 9 In c o m e o n S h a r ia F in a n c in g
5 9 ,1 4 9 ,8 4 9 ,7 6 8 4 9 ,8 1 8 ,3 7 9 ,1 6 2
C a ll M o n e y 1 2 ,0 0 9 ,1 0 1 ,3 7 9
1 7 ,9 3 2 ,1 4 9 ,7 0 8 C u rr e n t A c c o u n t s w it h O t h e r B a n k s
2 0 5 ,9 9 0 ,0 0 8 1 8 ,0 3 8 ,6 0 3
D e p o s it s 5 ,5 0 9 ,1 6 6 ,4 4 0
9 3 ,2 5 8 ,7 2 3 D e p o s it s o n C a ll
1 ,9 4 4 ,9 2 3 ,7 5 4 1 1 ,8 0 9 ,8 7 5
S u b T o t a l 1 ,5 7 9 ,8 7 9 ,3 6 2 ,1 8 9
1 ,3 8 3 ,9 9 2 ,8 2 4 ,6 9 1
F o r e ig n C u r r e n c i e s
S e cu rit ie s 8 ,0 4 6 ,4 8 7 ,2 2 8
6 ,0 1 4 ,3 7 6 ,8 4 8 C a ll M o n e y
3 6 5 ,6 2 5 4 1 8 ,3 1 8 ,0 3 6
C u rr e n t A c c o u n t s w it h O t h e r B a n k s - -
6 4 5 ,7 4 9 ,0 5 3 S u b T o t a l
8 ,0 4 6 ,8 5 2 ,8 5 3 7 ,0 7 8 ,4 4 3 ,9 3 7
T o t a l 1 ,5 8 7 ,9 2 6 ,2 1 5 ,0 4 2
1 ,3 9 1 ,0 7 1 ,2 6 8 ,6 2 8 2 5 .
I N T E R E S T E X P E N S E S 2 0 0 9
2 0 0 8
R u p ia h D e p o s i t s
T im e D e p o s it s 3 7 6 ,9 2 7 ,5 7 4 ,0 3 8
2 9 2 ,9 3 2 ,7 6 0 ,5 8 9 D e m a n d D e p o s it s
2 4 2 ,5 4 6 ,7 8 9 ,1 5 0 1 3 0 , 0 1 5 ,2 3 5 ,1 9 2
S a v in g s D e p o s it s 5 0 ,9 7 1 ,1 8 4 ,6 9 1
4 5 ,6 2 7 ,6 8 9 ,5 8 1 D e p o s it s fr o m O t h e r B a n k s
C a ll M o n e y 2 5 ,7 8 3 ,0 9 3 ,3 7 8
1 0 7 ,8 6 0 ,9 6 5 ,3 0 6 D e p o s it
2 1 8 ,5 6 6 ,3 8 8 3 1 0 ,4 3 4 ,1 2 9
D e m a n d D e p o s it s 9 6 ,8 5 1 ,0 5 3
8 8 ,4 6 8 ,1 5 7 6 9 6 ,5 4 4 ,0 5 8 ,6 9 8
5 7 6 ,8 3 5 ,5 5 2 ,9 5 4
F o r e ig n C u r r e n c i e s
D e p o s i t s T im e D e p o s it s
1 6 ,7 8 7 ,6 9 2 1 6 0 ,8 5 7 ,2 0 9
D e m a n d D e p o s it s 3 8 5 ,2 3 1 ,6 6 6
1 5 ,3 8 2 ,8 3 6 4 0 2 ,0 1 9 ,3 5 8
1 7 6 ,2 4 0 ,0 4 5
320
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
5 0 2 5 .
I N T E R E S T E X P E N S E S C o n t i n u e d 2 0 0 9
2 0 0 8
O t h e r s S e cu rit ie s
1 1 8 ,2 7 0 ,2 7 2 ,8 5 1 1 3 5 ,7 2 4 ,3 6 8 ,5 8 1
P re m iu m fo r G o v e rn m e n t G u a ra n t e e o f T h ird P a r t y F u n d s
2 1 ,8 6 7 ,3 5 5 ,9 4 4 1 6 ,8 8 1 ,1 5 6 ,1 6 1
B o rr o w in g s 1 9 ,4 3 8 ,0 0 3 ,5 4 9
2 0 ,7 3 5 ,2 5 3 ,3 1 7 G ift s o n S a v in g s
2 ,4 0 5 ,6 6 7 ,7 6 1 2 ,2 6 1 ,3 5 2 ,3 4 4
1 6 1 ,9 8 1 ,3 0 0 ,1 0 5 1 7 5 ,6 0 2 ,1 3 0 ,4 0 3
T o t a l 8 5 8 ,9 2 7 ,3 7 8 ,1 6 1
7 5 2 ,6 1 3 ,9 2 3 ,4 0 2
I n s u ra n c e p re m iu m c o v e r in g th ir d p a r t y fu n d is p a id t o G o v e r n m e n t o f R e p u b lic o f In d o n e s ia in re la t io n w it h G o v e r n m e n t ’s g u a r a n t e e fo r c e r t a in B a n k ’s lia b ilit ie s a n d h a s b e e n r e c o r d e d a s o t h e r in t e r e s t
e x p e n s e s e e N o t e 1 5 a n d 3 8 .
2 6 . O T H E R O P E R A T I O N A L I N C O M E S - O T H E R S
2 0 0 9 2 0 0 8
R u p ia h S e rv ic e A d m in is t r a t io n a n d F e e In c o m e s
4 5 ,0 0 8 ,4 4 9 ,7 6 5 4 0 ,0 7 0 ,0 3 1 ,2 4 0
A T M s In c o m e 1 4 ,6 7 0 ,6 9 1 ,6 7 3
1 1 ,6 1 3 ,1 1 6 ,7 3 0 P e n a lt ie s o n U n c o lle c t ib le L o a n s
2 ,2 4 0 ,5 3 1 ,4 0 6 4 ,0 4 9 ,9 2 0 ,4 7 5
S h a r ia U n it - O t h e r In c o m e 3 ,1 2 0 ,5 0 1 ,0 2 1
3 ,2 9 9 ,6 0 2 ,9 2 6 F u n d s T ra n s fe r S e rv ic e
1 ,1 6 5 ,8 8 5 ,7 0 3 1 ,0 7 1 ,8 7 4 ,2 4 1
P e n a lt ie s o n W r it t e n -o ff L o a n s 4 6 3 ,8 2 4 ,3 1 5
3 4 9 ,1 5 4 ,8 5 7 C a s h D iv id e n d
2 8 2 ,1 3 2 ,2 8 4 4 0 1 ,4 2 8 ,4 4 9
C lo s in g o f D e p o s it A c c o u n t s 1 7 5 ,0 1 3 ,7 6 2
2 2 2 ,2 7 3 ,7 9 4 O t h e r P e n a lt ie s
4 4 6 ,6 3 2 ,9 3 2 5 7 8 ,1 0 6 ,1 7 0
T o t a l 6 7 ,5 7 3 ,6 6 2 ,8 6 1
6 1 ,6 5 5 ,5 0 8 ,8 8 2
Laporan Tahunan 2009 Annual Report
321
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
5 1 2 7 .
P R O V I S I O N R E V E R S E F O R L O S S E S O N A S S E T S 2 0 0 9
2 0 0 8
L o a n s 2 6 ,7 6 6 ,2 3 5 ,9 3 3
4 4 ,7 5 0 ,9 3 5 ,7 4 0 C u r r e n t A c c o u n t s w it h O t h e r B a n k s
2 ,4 3 8 ,4 5 6 ,5 6 1 6 ,7 3 3 ,7 3 7 ,0 2 8
P la c e m e n ts w it h O t h e r B a n k s a n d B a n k I n d o n e s ia 4 ,7 7 1 ,5 0 3 ,0 0 0
1 ,4 9 3 ,9 7 3 ,1 0 4 S e c u rit ie s
9 5 6 ,1 6 9 ,7 2 2 1 ,0 0 8 ,5 6 1 ,1 7 7
T o t a l 3 3 ,0 2 0 ,0 2 5 ,7 7 2
5 3 ,9 8 7 ,2 0 7 ,0 4 9
2 8 . G E N E R A L A N D A D M I N I S T R A T I V E E X P E N S E S
2 0 0 9 2 0 0 8
R e n ta l E x p e n s e s 5 5 ,7 0 4 ,3 7 9 ,9 8 0
3 1 ,6 8 7 ,5 4 0 ,7 5 5 D e p r e cia t io n E x p e n s e s s e e N o t e 1 1
1 9 ,3 3 8 ,8 4 9 ,3 7 0 1 8 ,7 7 2 ,0 6 2 ,2 1 6
O ffic e E x p e n s e s 2 3 ,0 7 8 ,3 6 6 ,7 2 0
2 1 ,3 5 5 ,6 7 8 ,8 1 1 L a n d a n d O ffic e B u ild in g s
2 2 ,2 2 7 ,3 1 0 ,8 1 7 2 5 ,5 3 2 ,8 3 9 ,2 8 2
E le c t r ic it y a n d W a t e r 8 ,4 7 3 ,3 0 7 ,6 3 0
7 ,1 3 7 ,6 1 4 ,6 7 4 O ffic e F u rn it u re a n d E q u ip m e n t
6 ,5 7 1 ,2 8 9 ,0 3 6 7 ,8 0 0 ,4 2 9 ,7 7 5
M o to r V e h ic le s 7 ,2 7 9 ,4 2 6 ,5 9 0
7 ,0 3 7 ,8 9 6 ,4 7 7 T e le c o m m u n ic a t io n
3 ,2 5 6 ,7 8 9 ,8 8 2 2 ,9 8 0 ,3 1 5 ,0 9 0
B o n d Is s u a n c e C o s t 1 ,6 4 8 ,3 7 0 ,8 2 8
2 ,2 5 0 ,9 1 9 ,8 7 6 I n fo r m a t io n S y s t e m D e v e lo p m e n t
8 2 7 ,3 0 5 ,6 7 1 1 ,0 0 4 ,6 2 0 ,7 0 4
F u n d s T ra n s fe r a n d D o c u m e n t 5 , 0 5 5 ,4 9 3 ,3 3 7
8 8 1 ,2 7 0 ,1 6 9
T o t a l 1 5 3 ,4 6 0 ,8 8 9 ,8 6 1
1 2 6 ,4 4 1 ,1 8 7 ,8 2 9 2 9 .
P E R S O N N E L E X P E N S E S 2 0 0 9
2 0 0 8
E m p lo y e e s B e n e fit s 3 6 1 ,0 1 2 ,4 5 3 ,2 3 9
2 9 9 ,8 1 7 ,1 8 3 ,8 1 4 E m p lo y e e s S a la r ie s a n d W a g e s
2 4 ,9 5 0 ,0 6 2 ,9 1 0 2 2 ,2 3 8 ,8 5 6 ,4 2 1
E m p lo y e e s R e c ru it m e n t 1 8 2 ,4 5 4 ,7 8 8
6 9 3 ,6 9 6 ,0 6 3
T o t a l 3 8 6 ,1 4 4 ,9 7 0 ,9 3 7
3 2 2 ,7 4 9 ,7 3 6 ,2 9 8
S a la r y , w a g e s a n d e m p lo y e e b e n e fit s fo r th e y e a r e n d e d o n D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 in c lu d in g th e c o m p e n s a t io n fo r th e B o a r d s o f C o m m is s io n e rs a n d D ir e c t o rs a m o u n t e d R p 1 8 ,0 3 0 ,8 4 7 ,8 7 9
a n d R p 1 6 ,6 3 5 ,3 8 2 ,4 0 0 , re s p e c tiv e ly .
322
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
5 2 3 0 .
I N C O M E E X P E N S E N O N O P E R A T I N G - N E T 2 0 0 9
2 0 0 8
N o n O p e r a tin g In c o m e 2 ,8 1 0 ,3 3 8 ,7 1 7
1 2 ,3 8 4 ,3 2 8 ,8 2 7 P r o fit s a le o f fix e d a s s e t s n o t e 1 1
5 , 5 9 2 , 8 2 4 , 5 2 7 - -
R e n ta l In c o m e 3 1 3 ,1 3 1 ,4 7 8
5 8 7 ,9 4 8 ,2 8 9 T h ir d P a r t ie s C o m m is s io n s
2 4 6 ,6 7 3 ,4 2 8 1 5 1 ,4 1 2 ,7 5 9
L o s s o n T e lle r 1 ,3 1 4 ,0 0 0
1 9 9 ,4 7 8 ,7 7 5 G a in s o n F o r e ig n E x c h a n g e - N e t
6 ,5 4 7 ,3 5 0 ,7 2 1 1 1 ,4 5 0 ,2 6 8 ,5 1 7
O t h e r s - N e t 5 ,4 0 5 ,6 4 7 ,2 6 9
8 ,6 4 7 ,9 5 4 ,1 9 6
T o t a l 2 ,9 9 1 ,3 4 3 ,8 4 0
1 5 ,7 2 6 ,5 2 5 ,4 2 1 3 1 .
P E N S I O N P L A N A N D O T H E R E M P L O Y E E B E N E F I T S a .
P e n s io n P la n
T h e B a n k h a s a d e fin e d c o n t r ib u t io n r e t ire m e n t p la n c o v e r in g a ll o f its p e r m a n e n t e m p lo y e e s . T h is p r o g r a m is a d m in is t e r e d b y D a n a P e n s iu n B a n k D K I . T h is p e n s io n p la n w a s a p p r o v e d b y th e
M in is t e r o f F in a n c e in h is D e c re e N o . K e p -0 1 5 K M 1 7 1 9 9 4 d a t e d J a n u a r y 2 1 , 1 9 9 4 . P e n s io n p la n c o n tr ib u tio n c h a r g e d t o s t a t e m e n ts o f in c o m e t h a t e n d e d o n D e c e m b e r 3 1 , 2 0 0 9
a n d 2 0 0 8 a r e R p 1 2 ,5 0 8 ,6 6 4 ,1 3 4 a n d R p 1 3 ,6 4 5 ,8 7 2 ,7 9 3 , re s p e c tiv e ly .
b . E m p lo y e e B e n e f it s P r o g r a m
T h e B a n k h a s c a lc u la t e d it s e s t im a t e d e m p lo y e e b e n e fit s lia b ilit y in a c c o r d a n c e w it h L a b o r L a w N o . 1 3 2 0 0 3 . N o fu n d i n g o f b e n e fits h a s b e e n d o n e in r e la t io n t o t h e e m p lo y e e b e n e f i t s
p r o g r a m . T h e b a la n c e s o f e m p lo y e e b e n e fit s lia b ility fo r t h e y e a r 2 0 0 9 a n d 2 0 0 8 a r e b a s e d a n I n d e p e n d e n t
A c tu a r y ’s P T D ia n A r t h a T a m a r e p o r t N o . 2 7 5 -A P S A K D A T I I I 2 0 1 0 d a t e d M a r c h 1 8 , 2 0 1 0 a n d N o . 1 2 2 - A P S A K D A T I I I 2 0 0 9 d a t e d M a r c h 1 7 , 2 0 0 9 w it h re g a rd s to t h e a p p lic a tio n o f P S A K
N o . 2 4 R e v i s e d 2 0 0 4 , “ E m p lo y e e B e n e fit s ” . T o ta l lia b ilit ie s b a s e d o n th e In d e p e n d e n t A c t u a r y ’s c a lc u la t io n a n d L a b o r L a w N o . 1 3 2 0 0 3 a s o f
D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a r e a s fo llo w s :
2 0 0 9 2 0 0 8
P r e s e n t V a lu e o f E m p lo y e e B e n e fit L ia b ilit i e s 3 4 7 ,6 9 3 ,4 7 0 ,0 4 7
3 3 9 ,6 3 5 ,2 1 4 ,6 2 0 F a ir V a lu e o f A s s e t P r o g r a m
4 0 0 ,6 6 4 ,9 4 4 ,8 5 9 3 5 5 ,3 9 5 ,9 7 3 ,7 3 7
F in a n c in g S t a t u s 5 2 ,9 7 1 ,4 7 4 ,8 1 2
1 5 ,7 6 0 ,7 5 9 ,1 1 7 U n r e c o g n iz e d A c tu a r ia l G a in s L o s s e s
3 4 ,4 4 1 ,3 6 8 ,4 9 7 4 ,1 4 8 ,9 5 2 ,4 9 2
P r e p a id E m p lo y e e B e n e f it s 1 8 ,5 3 0 ,1 0 6 ,3 1 5
1 9 ,9 0 9 ,7 1 1 ,6 0 9
Laporan Tahunan 2009 Annual Report
323
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
5 3 3 1 .
P E N S I O N P L A N A N D O T H E R E M P L O Y E E B E N E F I T S C o n t i n u e d
T h e e m p lo y e e b e n e fit e x p e n s e s fo r t h e y e a r s a r e a s fo llo w s :
2 0 0 9 2 0 0 8
C u r r e n t S e rv ic e C o s t 1 5 ,4 6 4 ,3 4 5 ,3 4 0
1 4 ,5 7 0 ,3 9 7 ,7 3 2 I n te r e s t E x p e n s e
3 3 ,9 6 3 ,5 2 1 ,4 6 2 4 9 ,5 1 3 ,8 6 2 ,6 1 6
R e s u lt s o f R e t u rn A s s e t P r o g r a m t h a t is e x p e c t e d 3 5 ,5 3 9 ,5 9 7 ,3 7 4
3 2 ,8 0 4 ,6 8 1 ,3 7 0 A c tu a r ia l L o s s G a in s
- - 5 ,5 8 7 ,4 6 1 ,9 0 2
T o t a l E m p lo y e e B e n e f it s E x p e n s e 1 3 ,8 8 8 ,2 6 9 ,4 2 8
3 6 ,8 6 7 ,0 4 0 ,8 8 0
C h a n g e s in p r e p a id e m p lo y e e b e n e fit s in a c c o r d a n c e w it h I n d e p e n d e n t A c t u a r y ’s c a lc u la t io n s :
2 0 0 9 2 0 0 8
B e g in n in g B a la n c e o f P r e p a id E m p lo y e e B e n e fit s 1 9 ,9 0 9 ,7 1 1 ,6 0 9
4 3 ,1 3 0 ,8 7 9 ,6 9 6 E m p lo y e e B e n e fit s E x p e n s e - N e t
1 3 ,8 8 8 ,2 6 9 ,4 2 8 3 6 ,8 6 7 ,0 4 0 ,8 8 0
C o n t r ib u tio n 1 2 ,5 0 8 ,6 6 4 ,1 3 4
1 3 ,6 4 5 ,8 7 2 ,7 9 3
E n d i n g B a l a n c e o f P r e p a i d E m p l o y e e B e n e f it s
1 8 ,5 3 0 ,1 0 6 ,3 1 5 1 9 ,9 0 9 ,7 1 1 ,6 0 9
T h e k e y a s s u m p t io n s u s e d b y th e In d e p e n d e n t A c t u a r y fo r y e a r 2 0 0 9 a n d 2 0 0 8 fo r th e ca lc u la t io n o f p e n s io n b e n e f it e x p e n s e s , a r e a s fo llo w s :
2 0 0 9 2 0 0 8
D is c o u n t R a t e 1 0
1 2 S a la r y In c r e a s e R a t e
5 p e r a n n u m 5 p e r a n n u m
M o r t a lit y R a t e C S O 1 9 5 8
C S O 1 9 5 8 P e r m a n e n t D is a b ilit y R a t e
0 .0 1 p e r a n n u m 0 .0 1 p e r a n n u m
R e s ig n a t io n R a t e 0 .0 5 p e r a n n u m
0 .0 5 p e r a n n u m P r o p o rt io n o f E a r ly R e t ir e m e n t
0 .0 5 p e r a n n u m 0 .0 5 p e r a n n u m
M e t h o d P r o je c t e d U n it C r e d it
P r o je c t e d U n it C r e d it T o ta l b a la n c e o f lia b ilit y o f e m p lo y e e b e n e fits b a s e d o n I n d e p e n d e n t A c t u a r y ’s c a lc u la t io n a n d th e
B a n k ’s L a b o r p o lic y t h a t a r e n o t i n c lu d e d in L a b o r L a w N o . 1 3 2 0 0 3 in y e a r 2 0 0 9 a n d 2 0 0 8 is N il, r e s p e c tiv e ly .
324
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
5 4 3 2 .
B A S I C E A R N I N G S P E R S H A R E 2 0 0 9
2 0 0 8
N e t In c o m e N e t In c o m e fo r C o m p u t a tio n o f B a s ic E a r n in g
P e r S h a r e 1 4 0 ,6 9 2 ,1 1 5 ,4 2 9
1 1 6 ,4 0 8 ,2 0 7 ,3 8 3 1 4 0 ,6 9 2 ,1 1 5 ,4 2 9
1 1 6 ,4 0 8 ,2 0 7 ,3 8 3 O u t s t a n d i n g S h a r e s
S h a r e s S h a r e s
B e g in n in g B a la n c e 6 0 0 ,3 2 5
6 0 0 ,3 2 5 A d d it io n a l
- - - -
T o t a l O u ts t a n d in g S h a r e s 6 0 0 ,3 2 5
6 0 0 ,3 2 5 T o t a l S h a r e s
S h a r e s S h a r e s
W e ig h t e d A v e r a g e N u m b e r o f C o m m o n S t o c k O u ts t a n d in g fo r C o m p u ta t io n o f E a r n in g P e r S h a r e
6 0 0 ,3 2 5 6 0 0 ,3 2 5
B a s ic E a r n in g P e r S h a r e 2 3 4 ,3 6 0
1 9 3 ,9 0 9
3 3 . T R A N S A C T I O N W I T H R E L A T E D P A R T I E S
T h e B a n k h a s b u s in e s s tr a n s a c t io n s w it h co m p a n ie s h a v in g th e s a m e s t o c k h o ld e r s a n d o r m a n a g e m e n t o f th e B a n k . T h e s e t r a n s a c tio n s p r im a r ily re la t e t o le n d in g a n d b o r r o w in g o f fu n d s in t h e n o r m a l c o u r s e
o f th e ir b u s in e s s a n d a r e s u b s t a n tia lly m a d e o n a n a r m ’s le n g th b a s is e x c e p t lo a n t o e m p lo y e e s a n d B a n k ’s D ire c t o r s w ith p e r io d o f 1 o n e t o 1 5 fift e e n y e a r s , 5 in t e r e s t ra t e s p e r y e a r a n d m o n t h ly
p a y m e n t t h r o u g h m o n t h ly s a la r y d e d u c t io n . S ig n ific a n t tr a n s a c tio n s w it h r e la t e d p a r t ie s a r e a s fo llo w s :
2 0 0 9 2 0 0 8
L o a n s R u p ia h
P T B P R D a r b e n i 1 ,0 5 3 ,2 3 4 ,4 3 9
1 9 4 ,3 5 5 ,9 3 2 C o m m is s io n e r, D ir e c t o r s a n d E x e c u tiv e B a n k O ffic e r s
4 ,9 0 8 ,9 9 5 ,4 7 8 4 ,9 2 0 ,9 1 4 ,3 2 9
T o t a l L o a n s 5 ,9 6 2 ,2 2 9 ,9 1 7
5 ,1 1 5 ,2 7 0 ,2 6 1
P e r c e n ta g e to t o ta l a s s e t 0 .0 4
0 .0 4
I n te r e s t In c o m e 2 6 8 ,3 0 0 ,3 4 6
4 0 9 ,2 1 4 ,6 3 9 T h e p e r c e n t a g e to th e a m o u n t o f in t e r e s t in c o m e
0 .0 2 0 .0 3
Laporan Tahunan 2009 Annual Report
325
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
5 5 3 3 .
T R A N S A C T I O N W I T H R E L A T E D P A R T I E S C o n t i n u e d 2 0 0 9
2 0 0 8
D e p o s i t s fr o m C u s t o m e r s D e m a n d D e p o s it s
1 ,1 5 5 ,9 7 1 ,2 2 8 3 ,2 9 3 ,8 5 7 ,0 4 3
S a v in g D e p o s it s 7 ,1 5 0 ,4 0 1 ,8 4 9
4 ,8 6 9 ,1 7 5 ,0 1 9 T im e D e p o s it s
1 3 ,6 0 4 ,7 4 4 ,8 6 7 1 1 ,3 8 4 ,8 1 9 ,7 5 4
T o t a l 2 1 ,9 1 1 ,1 1 7 ,9 4 4
1 9 ,5 4 7 ,8 5 1 ,8 1 6 T h e p e r c e n ta g e o f th e a m o u n t o f lia b ilit ie s
0 .1 5 0 .1 5
I n te r e s t E x p e n s e 1 ,7 7 2 ,6 0 9 ,4 4 2
1 ,3 3 3 ,7 4 0 ,8 4 9
T h e p e r c e n ta g e o f th e a m o u n t o f in te r e s t c o s t 0 .2 1
0 .1 6
D e t a ils a n d ty p e o f tr a n s a c tio n s w it h r e la t e d p a r t ie s a r e a s fo llo w s : R e la t e d P a r t y
R e la tio n s h ip T r a n s a c t io n
P T B P R D a r b e n i M a n a g e m e n t
- L o a n s - In t e re s t In c o m e s
P e r s o n a l C o m m is s io n e r s , D ir e c t o r ,
E m p lo y e e a n d E x e c u tiv e B a n k O ffic e r s
- L o a n s - D e p o s i t s fr o m C u s t o m e r s
A ll tr a n s a c t io n w it h re la te d p a rt i e s e x c e p t lo a n s to k e y m a n a g e m e n t p e rs o n n e l, a r e c o n d u c t e d a t n o rm a l te rm s a n d co n d itio n s sim ila r to th o s e w ith n o n re la te d p a rt ie s .
326
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
5 6 3 4 .
C O M M I T M E N T S A N D C O N T I N G E N C I E S
A s p a r t o f n o r m a l b a n k in g b u s in e s s , t h e B a n k h a s c o m m it m e n ts a n d c o n tin g e n c ie s th a t a re n o t p r e s e n t e d in th e fin a n c ia l s t a t e m e n t s .
S u m m a r y o f c o m m it m e n ts a n d c o n tin g e n c ie s B a n k b y t y p e , c u r r e n c y a n d c o lle c t ib ilit y o n D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a r e a s fo llo w s :
2009 Current
Special Mention
Substandard Doubtful
Loss Total
COMMITMENTS Commitments Receivables
Rupiah Others
150,000,000,000 150,000,000,000
Foreign Currencies Outstanding Forward Purchases
-- --
-- --
-- --
Outstanding Spot Purchases --
-- --
-- --
-- Others
317,240,077,924 --
-- --
-- 317,240,077,924
Total Commitments Receivables 467,240,077,924
-- --
-- --
467,240,077,924 Commitments Payables
Rupiah Unused Loan Facility Granted
2,008,564,093,757 --
-- --
-- 2,008,564,093,757
Outstanding Spot Sales --
-- --
-- --
-- Foreign Currencies
Irrevocable LC is running LC Outside Country
317,240,077,924 --
-- --
-- 317,240,077,924
Total Commitment Payable 2,325,804,171,681
-- --
-- --
2,325,804,171,681 Total Commitment - Net
1,858,564,093,757 --
-- --
-- 1,858,564,093,757
CONTINGENCIES Contingencies Receivables
Rupiah Interest Receivables on Non
Performing Loans --
-- 11,297,107,419
2,841,273,166 40,110,564,474
54,248,945,059 Total Contingencies Receivables
-- --
11,297,107,419 2,841,273,166
40,110,564,474 54,248,945,059
Contingencies Payables Rupiah
Bank Guarantees 452,283,041,322
-- --
-- --
452,283,041,322 Forwarding Credit
29,769,790,800 --
-- --
-- 29,769,790,800
Productive assets are removed the book
297,851,561,344 --
-- --
-- 297,851,561,344
Foreign Currencies Bank Guarantees
32,678,671,623 --
-- --
-- 32,678,671,623
Productive assets are removed the book
32,525,661,517 ---
-- --
-- 32,525,661,517
Total Contingencies Payables 845,108,726,606
-- --
-- --
845,108,726,606 Total Contingencies - Net
845,108,726,606 --
11,297,107,419 2,841,273,166
40,110,564,474 790,859,781,547
COMMITMENTS AND CONTINGENCIES - NET
2,703,672,820,363 --
11,297,107,419 2,841,273,166
40,110,564,474 2,649,423,875,304
Laporan Tahunan 2009 Annual Report
327
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
5 7 3 4 .
C O M M I T M E N T S A N D C O N T I N G E N C I E S C o n t i n u e d
2008 Current
Special Mention
Substandard Doubtful
Loss Total
COMMITMENTS Commitments Receivables
Foreign Currencies Outstanding Forward Purchases
131,065,000,000 --
-- --
-- 131,065,000,000
Outstanding Spot Purchases 59,950,000,000
-- --
-- --
59,950,000,000 LC Import Usance
815,756,000 --
-- --
-- 815,756,000
Total Commitments Receivables 191,830,756,000
-- --
-- --
191,830,756,000 Commitments Payables
Rupiah Unused Loan Facility Granted
938,967,659,061 --
-- --
-- 938,967,659,061
Outstanding Spot Sales 55,000,000
-- --
-- --
55,000,000 Foreign Currencies
Outstanding Forward Sales 119,900,000,000
-- --
-- --
119,900,000,000 Total Commitment Payable
1,058,922,659,061 --
-- --
-- 1,058,922,659,061
Total Commitment - Net 867,091,903,061
-- --
-- --
867,091,903,061 CONTINGENCIES
Contingencies Receivables Rupiah
Interest Receivables on Non Performing Loans 34,667,021,846
-- --
-- --
34,667,021,846 Total Contingencies Receivables
34,667,021,846 --
-- --
-- 34,667,021,846
Contingencies Payables Rupiah
Bank Guarantees 333,861,265,201
-- --
-- --
333,861,265,201 Productive assets are removed the book
275,806,967,101 275,806,967,101
Foreign Currencies Bank Guarantees
11,777,250,621 11,777,250,621
Productive assets are removed the book 32,525,661,517
-- --
-- --
32,525,661,517 Total Contingencies Payables
653,971,144,440 --
-- --
-- 653,971,144,440
Total Contingencies - Net 619,304,122,594
-- --
-- --
619,304,122,594 COMMITMENTS AND CONTINGENCIES - NET
1,486,396,025,655 --
-- --
-- 1,486,396,025,655
F o r t h e y e a r s e n d e d o n D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , B a n k h a s r e c o r d e d e s t im a t e d lo s s f r o m c o m m it m e n t s a n d c o n t in g e n c ie s a m o u n t e d t o R p 4 ,8 3 8 ,7 0 5 ,1 9 1 a n d R p 3 ,4 5 4 ,7 2 9 ,6 0 9 r e s p e c tiv e ly .
A s o f D e ce m b e r 3 1 , 2 0 0 9 d id n o t h a v e S w a p t r a n s a c t io n s w h ile a s o f D e ce m b e r 2 0 0 8 B a n k s w a p t r a n s a c t io n s to co v e r th e m a r k e t ris k o f c h a n g e s in fo r e ig n e x c h a n g e r a t e s o n lo a n s re c e iv e d fr o m
S ta n d a r d C h a r t e r e d B a n k In a w a y t o B u y S e ll S w a p w it h : 1 .
P T B a n k E k s p o r In d o n e s ia P e r s e r o o n D e c e m b e r 2 , 2 0 0 8 a m o u n t i n g t o U S D 5 ,5 0 0 ,0 0 0 w it h a 1 -m o n th p e r io d s t a r t in g o n D e c e m b e r 4 , 2 0 0 8 t o J a n u a r y 5 , 2 0 0 9 , w it h a b u y r a t e o f U S D 1 =
R p 1 2 ,4 0 0 a n d se ll ra te o f U S D 1 = R p 12 ,5 6 0 . 2 .
T h e B a n k a ls o m a d e a S w a p B u y S e ll t r a n s a c t io n w it h P T B a n k M a n d ir i P e r s e r o , T b k o n D e c e m b e r 3 0 , 2 0 0 8 a m o u n t in g to U S D 5 ,5 0 0 ,0 0 0 w it h a 1 -m o n th p e rio d s t a r t in g o n J a n u a ry 5 ,
2 0 0 9 to F e b ru a r y 5 , 2 0 0 9 w it h a b u y ra te o f U S D 1 = R p 1 1 ,5 1 0 a n d s e ll r a t e o f U S D 1 = R p 1 1 , 2 7 0 s e e N o t e 1 8 .
328
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
5 8 3 4 .
C O M M I T M E N T S A N D C O N T I N G E N C I E S C o n t i n u e d
B a n k is in v o lv e d in v a r io u s le g a l c a s e s , e it h e r a s t h e p r o s e c u t o r o r t h e p a r t y t h a t is p r o s e c u t e d b y t h ir d p a r t ie s a s w e ll is B a n k ’s a s s e t . S ig n ific a n t le g a l c a s e s p e r D e c e m b e r 3 1 , 2 0 0 8 a r e a s fo llo w s :
a . L a w s u it fr o m T h e T jin K o k r e g a r d in g c o m p e n s a t io n fo r t h e p la c e m e n t o f a b u ild in g lo c a t e d o n
J l. G r e a t W e s t D o o r o f S o u t h J a k a rt a in th e y e a r 1 9 6 2 -1 9 6 4 a m o u n t in g to R p 3 5 ,0 0 0 ,0 0 0 ,0 0 0 b o r n e in e q u a l p a r t s b e tw e e n th e B a n k a n d th e G o v e r n m e n t o f D K I J a k a rt a P r o v in c e . B a s e d o n
t h e d e c i s io n o f t h e J u d ic i a l R e v i e w , t h e B a n k a n d t h e P r o v i n c ia l G o v e r n m e n t o f J a k a r t a d e c l a r e d d e fe a t e d a n d o b lig e d t o p a y in d e m n it y c o m p e n s a t io n p lu s in t e r e s t a m o u n t in g t o
R p 1 4 ,8 0 0 ,0 0 0 ,0 0 0 . I n c o n n e c t io n w it h t h e s e le g a l m a t t e r s , t h e B a n k h a s p r o v i d e d lo s s a m o u n t in g t o
R p 8 ,0 0 0 ,0 0 0 ,0 0 0 . b .
C la im B a n k to P T B u m i P e r k a s a P r o p e r t in d o t o c a n c e l B O T a g r e e m e n t r e la t in g t h e d e fe n d a n t c o u ld n o t c a r r y o u t it s o b lig a t io n s b r e a c h , w h ic h is n o t y e t b u ilt th e to w e r o f B a n k a n d p a y m o n e y fo r
t h e p u r c h a s e o f la n d o w n e d b y B a n k lo c a te d o n J l. K a m p u n g L im a a m o u n tin g R p 1 6 ,0 0 0 ,0 0 0 ,0 0 0 a n d th e d e fe n d a n t h a s d e fa u lte d a n d u n la w fu l a c t, n a m e ly th e la n d le a s e fo r p a rk in g sp a c e .
C u r r e n t s t a t u s o f t h e B a n k lo s e s t h e c a s e a t th e S u p r e m e C o u r t le v e l a n d th e B a n k w ill r e s o lv e th is m a t t e r th ro u g h th e lin e s o f b u s in e s s n o n -ju d ic ia l a n d is c u rr e n tly in th e p ro c e s s o f n e g o t ia t io n
s o th a t th e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k . c .
L a w s u it fr o m A D P u s k o p a d to P T M u lt a n P a n d ir a , P T P r im a B e t o n E lo k , P T B u m i M a k m u r a n d t h e B a n k b e c a u s e o f g u a r a n t e e s b y P T M u lt a n P a n d ir a t o t h e B a n k in t h e fo r m o f m a n a g e m e n t r ig h t s
o v e r M u lt a n C e n t e r B u ild in g w it h o u t a p p r o v a l fr o m th e A r m y H e a d q u a rt e rs , s o it is c o n s id e r e d in v a lid .
B a n k s w o n a t th e D is t r ic t C o u rt , th e H ig h C o u r t a n d S u p re m e C o u rt a n d t h e cu rr e n t s t a t u s o f th e c a s e in t h e J u d ic ia l R e v ie w s t a g e . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d it io n
o f th e B a n k . d .
L a w s u it fr o m D ju n a id y A fo r m e r G e n e r a l D ir e c t o r o f t h e B a n k r e g a r d in g e m p lo y e e s e r v ic e e n tit le m e n t a t t h e e n d o f t h e jo b a m o u n tin g R p 7 ,5 0 0 ,0 0 0 ,0 0 0 w h ic h th e B a n k h a s n o t p a id d u e
t o e c o n o m ic a n d m o n e ta r y c r is is . T h e B a n k lo s e s in t h e H ig h C o u r t a n d m u s t p a y t h e a w a r d a n d d e d ic a t e d s e r v ic e s a m o u n t in g t o R p 1 ,2 4 0 ,0 0 0 ,0 0 0 . T h e s ta t u s o f t h e c a s e is c u rr e n t ly in p h a s e
in th e S u p r e m e C o u r t. T h e B a n k b e lie v e s t h a t t h is la w s u it w ill n o t a ffe c t t h e c o n d it io n o f t h e B a n k . e .
L a w s u it fr o m P T A lfa P e r s a d a K a r s a a s b o u w h e e r t o P T G e la r G a t r a L a r a s c o n tr a c t o r a n d B a n k t h e is s u e r o f B a n k G u a ra n t e e s a n d a s s u m e th a t t h e P T G e la r G a t r a L a ra s h a s d e fa u lt e d
in t h e im p le m e n t a tio n o f t h e w o rk a n d s u e a n d d e m a n d e d w it h d ra w a l o f B a n k G u a ra n t e e R p 7 5 3 ,4 8 1 ,2 2 0 . I n t h e H ig h C o u r t , th e B a n k lo s e s a n d m u s t p a y d a m a g e s a n d in te r e s t a m o u n t in g
t o R p 3 0 8 , 9 2 7 , 3 0 0 . T h e s t a t u s o f t h e c a s e is c u r r e n t ly in s t a g e o f c a s s a t io n in t h e S u p r e m e C o u r t a n d th e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k .
Laporan Tahunan 2009 Annual Report
329
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
5 9 3 4 .
C O M M I T M E N T S A N D C O N T I N G E N C I E S C o n t i n u e d
f. L a w s u it fr o m C V P a n c a D e w i a n d M r s . T a r iy a h t o c a n c e l t h e a u c t io n o f t h e c o lla te ra l a m o u n t e d
t o R p 1 2 0 ,0 0 0 , 0 0 0 o r lo w e r t h a n t h e re a l v a lu e o f c o lla t e r a l t h a t is e q u a l t o R p 3 0 0 ,0 0 0 , 0 0 0 . In t h e H ig h C o u r t th e B a n k h a s w o n a n d t h e s t a t u s o f t h e c a s e c u rr e n tly in th e s t a g e o f a p p e a l in th e
S u p re m e C o u rt . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k . g .
L a w s u it fr o m R o o b y N o o r D a e n g o w n e r o f t h e c r e d it g u a r a n t e e a g a in s t t h e B a n k in o r d e r t o r e s t o r e th e g u a r a n te e s g iv e n b y th e C V R e lia I n d a h N u s a n ta r a d e b t o r w it h lo s s q u a lit y . In th e
H ig h C o u r t th e B a n k h a s w o n a n d t h e s t a t u s o f th e ca s e c u rr e n tly in th e s t a g e o f a p p e a l in th e S u p re m e C o u rt . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k .
h . L a w s u it fr o m O o m K o m a r ia h a g a in s t t h e B a n k b e c a u s e o f h e r r e q u e s t t o re m o v e th e re p a y m e n t
o f lo a n in te r e s t fro m b a d c r e d it w a s r e je c t e d . T h e B a n k w o n in th e H ig h C o u r t a n d t h e s t a t u s o f t h e c a s e c u r r e n t ly in th e s t a g e o f c a s s a tio n in th e S u p r e m e C o u r t . T h e B a n k b e lie v e s th a t th is
la w s u it w ill n o t a ffe c t th e co n d itio n o f the B a n k . I .
L a w s u it fr o m S u t ik n o S u b a n d i a g a in s t t h e B a n k b e c a u s e o f it s la n d p u r c h a s e d fr o m P u t r o S a m p u r n o h u s b a n d o f R it a n ti H a r t in a h is u s e d a s c o lla t e r a l b y R it a n ti H a r t in a h t o t h e B a n k . T h e
B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k . j.
L a w s u it fr o m T jit r a B in t o ro a n d S ie B u y u n g a g a in s t th e B a n k d u e t h e i r p r o p e rt y p le d g e d b y C V P e r d a n a B u a n a R a y a t o t h e B a n k . T h e B a n k b e lie v e s t h a t t h is la w s u it w ill n o t a ffe c t th e co n d it io n
o f th e B a n k . k .
L a w s u it fr o m R a c h m a d i P ra y o g o a g a in s t t h e B a n k b e c a u s e o f it s la n d is u s e d a s c o lla te ra l b y P T M e r c u ry W o o d t o th e B a n k . C u rr e n t s t a tu s o f th e ca s e i n t h e S u p r e m e C o u rt s t a g e . T h e B a n k
b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k . l.
L a w s u it fr o m H a s a n u d d in b in S a a d a n a g a in s t C h ie f o f t h e L a n d O ffic e in C e n t r a l J a k a r t a C it y A d m in is t ra t io n a n d B a n k o f o w n e r s h ip o f la n d b y th e B a n k in K e b o n S ir ih J a k a rt a . T h e B a n k w o n
in th e C o u r t o f A d m in is t r a tiv e o f th e S ta te , a n d t h e s t a tu s o f c a s e s c u r r e n t ly in p r o ce s s in th e H ig h C o u r t o f S ta t e A d m in is t r a t iv e . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t t h e c o n d it io n o f
th e B a n k . m .
L a w s u it fr o m R o s r i t a T io n iw a r a g a in s t t h e B a n k d u e t o it s la n d h a d b e e n c o n fis c a t e d a c c o r d in g t o t h e C e n tr a l J a k a rt a D is t r ic t C o u rt . C u rr e n t s t a t u s o f th e c a s e i s i n t h e H ig h C o u r t a n d t h e B a n k
b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k . n .
L a w s u it fr o m th e B a n k to P T M u lt a n P a n d ir a in o r d e r t h e a u c t io n r e s u lt s o f c o lla t e r a l a t J l. H a n g T u a h v a lu e d a t R p 5 5 8 ,4 5 0 ,0 0 0 s t a te d a s p a rt o f th e p a y m e n t a m o u n t s . T h e B a n k w o n in th e H ig h
C o u r t a n d th e s t a t u s o f c u r r e n t c a s e s in th e S u p r e m e C o u r t le v e l. T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f the B a n k .
330
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
6 0 3 4 .
C O M M I T M E N T S A N D C O N T I N G E N C I E S C o n t i n u e d
o . L a w s u it fr o m th e B a n k to P T W iro s K o n s u m in d o In d o n e s ia a n d P T A s u r a n s i E k s p o r In d o n e s ia
a m o u n t e d t o R p 2 ,4 9 1 ,9 8 4 ,2 6 0 f o r p u rc h a s e o f e x p o rt b ills n o t p a id b y E a s t E u ro p e a n a n d P T A s u ra n s i E k s p o r In d o n e s ia a s th e in s u r e r r e fu s e d t o p a y . B a n k s w o n in th e S u p r e m e C o u rt a n d
c u rr e n t ly i n t h e p ro c e s s o f e x e c u tio n . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e c o n d it io n o f th e B a n k .
M a n a g e m e n t b e li e v e s t h a t t h e a llo w a n c e fo r lo s s is a d e q u a te to co v e r th e lo s s p o s s ib ilit y o f th e u n c o lle c t e d c o m m it m e n t s a n d c o n t in g e n c ie s .
T h e c h a n g e s in p r o v is io n fo r p o s s ib le lo s s o f co m m it m e n t a n d c o n t in g e n c ie s a r e a s fo llo w s :
2 0 0 9 2 0 0 8
B a la n c e a t b e g in n in g o f th e y e a r 3 ,4 5 4 ,7 2 9 ,6 0 9
2 ,4 0 9 ,0 2 2 ,8 9 3 P r o v is io n r e v e rs a l d u rin g th e y e a r
1 ,0 5 9 ,4 5 2 ,9 8 6 1 ,1 0 4 ,8 8 7 ,1 5 3
T r a n s la t io n d ifffe r e n c e s 3 7 3 ,5 9 5 ,2 6 5
5 9 ,1 8 0 ,4 3 7
B a la n c e a t e n d o f th e y e a r 4 , 8 8 7 ,7 7 7 ,8 6 0
3 ,4 5 4 ,7 2 9 ,6 0 9 3 5 .
R I S K M A N A G E M E N T C r e d it R i s k
T h e c r e d it r is k m a n a g e m e n t in B a n k w a s s t a r t e d w it h d e v e lo p m e n t o f o r g a n iz a t io n s t r u c t u r e t o s u p p o r t t h e c o n t r o l o f cr e d it ris k , w it h s e g r e g a tio n fu n c t io n b e tw e e n a n a ly s t o f r is k a n d a n a ly s t o f m a rk e tin g ,
s o t h e fo u r e y e s p r in c ip le c a n b e a c h ie v e d . M o re o v e r, th e d e v e lo p m e n t o f C o m p a n y ’s C re d it M a n u a l B o o k B P P a r e c o n d u c t e d c o n t in u o u s ly , s t a r tin g fro m t h e p r e p a r a t io n o f B P P o f C r e d it, B P P o f C r e d it
P o lic y , a n d B P P o f C r e d it R is k M a n a g e m e n t . I n o r d e r th a t th e cr e d it m a n a g e m e n t t o w o r k e f fe c t iv e ly a n d t h e r is k t o b e c o n t ro lle d a n d t o a c h ie v e
p ru d e n t ia l p r in c ip le , th e B a n k e s t a b lis h e d th e M o r t g a g e a n d H o u s in g L o a n G r o u p , th e C o m m e r c i a l G r o u p , a n d t h e C o n s u m e r G r o u p . T h e r is k a n a ly s is b e g in w it h id e n tific a t io n , m e a s u r e m e n t, m o n it o r in g
a n d c o n t r o llin g o f c r e d it ris k . Id e n tific a t io n o f c r e d it ris k is c o n d u c t e d e a rly to k n o w th e p o s s ib ilit y o f d e b t o r s d e fa u lt s . C r e d it ris k m e a s u r e m e n t is in t e n d e d fo r C A R c a lc u la t io n a n d fo r c la s s ific a t io n o f n o n
p e r fo r m in g lo a n b y t y p e s o f lo a n s a n d b y b u s in e s s s e c t o r s a n d a ls o fo r t h e a c c u ra t e ra t io c a lc u la t io n w h ic h c a n e a r ly d e t e c t t h e p o s s ib ilit y o f d e fa u l t .
Laporan Tahunan 2009 Annual Report
331
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
6 1 3 5 .
R I S K M A N A G E M E N T C o n t i n u e d M a r k e t R i s k
T h e a u t h o r ity o b lig a t e s B a n k to c a lc u la t e C A R b y c o n s id e r in g M a r k e t R is k . C A R w ith M a r k e t R is k is c a lc u la t e d w it h s ta n d a r d m o d e l m e t h o d . A s B a n k ’s b u s in e s s a c tiv it ie s e s p e c i a l ly in tr a d in g h a v e
in c r e a s e d , s o ft w a re t r e a s u r y is d e v e lo p e d a n d u s e d b y t h e t r a d e rs fo r tr a d in g a c t iv it ie s . B e s id e s u s e d b y th e t r a d e rs , th is s o ft w a re is in t e g r a te d w it h R is k M a n a g e m e n t G r o u p , a g ro u p t h a t m a n a g e s M a r k e t
R is k in o r d e r th a t ris k s re la t e d t o t r a d in g c o u ld b e m o n it o r e d d a ily . T o g e t a ca lc u la t io n t h a t is m o r e s e n s it iv e a n d a p p r o p r ia t e w it h M a r k e t R is k P r o file w h ic h B a n k h a s , th e
in t e rn a l m o d e l is a ls o d e v e lo p e d . In b u s in e s s p la n o f 2 0 0 8 , in t e rn a l m o d e l c a lc u la tio n m e th o d w ill b e u s e d to c o m p le te s t a n d a r d m o d e l a l r e a d y u s e d . In t e rn a l m o d e l w ill b e u s e d s o le ly in e a rly 2 0 0 9 a s
s u b s t it u t io n fo r s t a n d a r d m o d e l a lr e a d y u s e d n o w . F o r e ig n c u r r e n c y ris k s a r is e fr o m o n a n d o ff b a la n c e s h e e t p o s it io n s b o t h o n t h e a s s e t a n d lia b ilit y s id e s .
B a n k ’s fo r e ig n c u r r e n c y p o s itio n m a n a g e m e n t is d iv id e d in t o t w o a c t iv itie s : th e tr a d in g b o o k , w h ic h is m a n a g e d to g e n e r a t e fo r e ig n e x c h a n g e g a in s , a n d t h e b a n k in g b o o k , w h ic h is m a n a g e d to co n tr o l
B a n k ’s o v e r a ll N e t O p e n P o s it io n . T h e m a x im u m N e t O p e n P o s it io n t o b e m a in ta in e d b y I n d o n e s ia n b a n k s is 2 0 o f c a p it a l. In re la t io n
t o th is , B a n k s t a t e d in t e r n a l p o lic ie s to m a n a g e it s N e t O p e n P o s it io n . B e s id e u s in g n o m in a l a p p r o a c h N e t O p e n P o s it io n , th e m a r k e t ris k m e a s u r e m e n t m e t h o d “ V a lu e a t R is k ” V a R w h ic h is m o r e ris k
s e n s it iv e , is a ls o u s e d fo r m e a s u r in g C u rr e n cy R is k E x p o s u re . A s p a r t o f M a r k e t R is k M a n a g e m e n t P r o c e s s , m a r k e t ris k lim it s o n t r a d in g b o o k a r e m o n it o r e d a n d r e p o r t e d t o m a n a g e m e n t o n d a ily b a s is .
T h e fo llo w in g t a b le s r e p r e s e n t B a n k ’ s N e t O p e n P o s i t io n a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 w h ic h a r e a s fo llo w s :
2 0 0 9 i n M i l l i o n R u p i a h F o r e ig n C u r r e n c i e s
A s s e t a n d A d m in is t r a t iv e
A s s e t A c c o u n t s L ia b ilit ie s a n d
A d m in is tr a t iv e L i a b i li ti e s A c c o u n t s
N e t O p e n P o s it io n
U n it e d S ta t e s D o lla r 1 ,2 4 4 ,3 4 1
1 ,1 6 4 ,1 2 2 8 0 ,2 1 9
E u r o 4 ,1 9 1
8 8 9 3 ,3 0 2
J a p a n e s e Y e n 1 ,8 5 0
2 6 1 ,8 2 4
A u s tr a lia n D o lla r 2 6 8
- - 2 6 8
S in g a p o re D o lla r 6 7 4
- - 6 7 4
P o u n s t e r lin g 4
- - 4
N e t 1 ,2 5 1 ,3 2 8
1 ,1 6 5 ,0 3 7 8 6 ,2 9 1
P e r c e n ta g e to C a p it a l 7 .5 0
332
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
6 2 3 5 .
R I S K M A N A G E M E N T C o n t i n u e d 2 0 0 8 i n M i l l i o n R u p i a h
F o r e ig n C u r r e n c i e s A s s e t a n d
A d m in is t r a t iv e A s s e t A c c o u n t s
L ia b ilit ie s a n d A d m in is tr a t iv e
L i a b i li ti e s A c c o u n t s N e t O p e n
P o s it io n
U n it e d S ta t e s D o lla r 6 8 8 ,7 2 2
4 5 2 ,9 7 0 2 3 5 ,7 5 2
E u r o 6 ,6 1 7
3 0 7 6 ,3 1 0
J a p a n e s e Y e n 4 9 ,6 0 4
4 7 ,3 5 7 2 ,2 4 7
A u s tr a lia n D o lla r 2 7 7
- - 2 7 7
S in g a p o re D o lla r 8 1 3
- - 8 1 3
H o n g k o n g D o lla r - -
- - - -
N e t 7 4 6 ,0 3 3
5 0 0 ,6 3 4 2 4 5 ,3 9 9
P e r c e n ta g e to C a p it a l 9 .7 5
I n a c c o r d a n c e w it h P B I N o . 7 3 7 P B I 2 0 0 5 , th e o v e r a ll N e t O p e n P o s it io n a s a t t h e c lo s in g o f b u s in e s s d a y a g a in s t ca p ita l a s a t 3 1 D e c e m b e r 2 0 0 9 d a n 2 0 0 8 a re 7 .5 0 d a n 9 .7 5 re s p e c tiv e ly.
O p e r a tio n a l R i s k
G e n e ra lly O p e ra tio n a l R is k c a lc u la tio n c o n s is ts o f th r e e m e th o d s . T h e s e m e th o d s a r e b a s i c in d ic a t o r a p p ro a c h st a n d a rd a p p ro a c h , a n d a d v a n c e m e a s u r e m e n t a p p r o a c h . G r a d u a lly B a n k w ill im p r o v e th e
m e th o d s t a rt in g fr o m s im p le u n t il c o m p le x m e t h o d . O p e r a t io n a l r is k c o n t r o l w a s p e r fo r m e d b y d is t r ib u t io n o f lim it o f a u t h o r it y , p a s s w o r d , D a t a R e c o v e r y
C e n t e r D R C b u ilt u p a n d s e g r e g a t e fu n ct io n b e tw e e n c h e c k e r , m a k e r a n d a p p ro v a l. T h e p r e v e n t iv e a c t io n is e x p e c t e d to m it ig a t e t h e o p e r a t io n a l ris k m o r e p r o p e r ly .
L i q u i d i t y R is k
L iq u id it y ris k is m a n a g e d b y c o n s id e r in g im p o r ta n t ris k s re la t e d to B a n k ’s liq u id c a p a b ilit y , s u c h a s : L D R , M in im u m R e s e rv e R e q u ir e m e n ts G W M , ra t io o f liq u id a s s e t s to liq u id lia b ilit ie s , c a s h flo w p ro je c t io n ,
a n d m a t u r ity p r o file
.
C a s h flo w is th e m a in fo cu s in liq u id it y ris k m a n a g e m e n t. T h e re fo re , in p r o je c t in g c a s h flo w , B a n k tr ie s t o c a lc u la t e in o p t im a l w a y b y c o n s id e r in g in s t r u m e n t a s p e c t s w h e t h e r c o n t r a c t u a l o r b e h a v io u r a l.
Laporan Tahunan 2009 Annual Report
333
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
6 3 3 5 .
R I S K M A N A G E M E N T C o n t i n u e d L a w R i s k
T h e m a in la w ris k is w e a k n e s s o f a g r e e m e n t d u e to c o n t r a c t c o n d itio n is n o t fu lfille d . T o h a n d le th is p r o b le m , B a n k h a s e s t a b lis h e d C o rp o r a t e S e c r e t a r y G r o u p t h a t h a s a u n it to h a n d le c o n tr a c t a n d
a g r e e m e n t p r o b le m . F o r lit ig a t io n p r o b le m , R is k M a n a g e m e n t G r o u p h a s a d iv is io n th a t h a n d le s lit ig a t io n p r o b le m .
S t r a t e g ic R i s k
S t r a t e g ic ris k is c la s s ifie d a s m o d e r a t e , a s tr a t e g y th a t h a s b e e n d e c id e d a n d im p le m e n t e d w e ll. S tr a te g ic ris k m a n a g e m e n t is im p le m e n t e d b y m o n it o rin g b u s in e s s p la n a n d it s re a liz a tio n . B a n k h a s
R is k M a n a g e m e n t C o m m it t e e to h a n d le s tr a t e g ic a n d s ig n ific a n t ris k s .
R e p u t a t io n R is k
T h e re p u t a t io n ris k is m a n a g e d b y p a y in g a t t e n t io n to c u s t o m e r c o m p la in t a n d re s p o n d in g e v e r y n e w s w h ic h c a n m a k e n e g a t iv e im p a c t to t h e B a n k .
T o in c r e a s e t h e s o cia l im a g e , t h e B a n k a t t e m p ts t o g iv e o p t im a l s e rv ic e t o c u s t o m e r. T h is is th r o u g h v a rio u s e ffo rt s u c h a s e d u c a tio n to t h e e m p lo y e e w it h o f e x c e lle n t s e rv ic e t r a in in g .
C o m p l ia n c e R i s k
T h e c o m p lia n c e ris k m a n a g e m e n t is c o n d u c t e d b y m o n it o r in g a ll lo a n a g r e e m e n t a n d c o m m it m e n t a n d e n s u rin g th a t th e B a n k h a s c o m p lie d w it h th e re g u la t io n .
T h e B a n k ’s c o m p lia n c e r is k p r e s s e s d o w n th e c h a n c e o f d e v ia t io n fr o m a g r e e m e n t a n d c o n t ra c t s .
3 6 . C A P I T A L A D E Q U A C Y R A T I O
B a n k In d o n e s ia ’s R e g u la t io n N o .3 2 1 P B I 2 0 0 1 d a t e d D e c e m b e r 1 3 , 2 0 0 1 re q u ire s th e b a n k s in I n d o n e s ia to m a in ta in a m in im u m c a p it a l a d e q u a c y ra t io o f 8 .
T h e c a p it a l a d e q u a c y ra tio is c a lc u la te d b a s e d o n th e C ir c u la r L e tt e r o f B a n k In d o n e s ia N o .5 2 3 D P N P d a t e d S e p te m b e r 2 9 , 2 0 0 3 .
334
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
6 4 3 6 .
C A P I T A L A D E Q U A C Y R A T I O C o n t i n u e d
A s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , t h e B a n k ’ s m i n i m u m c a p it a l a d e q u a c y r a t io in c o m p lia n c e w it h B a n k In d o n e s ia ’ s r e g u la t io n a r e a s fo llo w s :
2 0 0 9 I n M illio n R u p ia h
2 0 0 8 I n M illio n R u p ia h
C o m p o s it io n o f C a p it a l
A . C o r e C a p it a l
P a id - I n -C a p it a l 6 0 0 ,3 2 5
6 0 0 ,3 2 5 A d d it io n a l P a id - in -C a p it a l
2 2 4 ,1 9 0 1 1 0 ,7 8 7
S u b T o ta l 8 2 4 ,5 1 5
7 1 1 ,1 1 2 B .
S u p p le m e n t a ry C a p it a l A llo w a n ce fo r P o s s ib le L o s s e s o n E a r n in g
A s s e ts 8 6 ,7 7 5
7 8 ,1 6 5 S u b o rd in a te d L o a n s
2 5 8 ,8 1 8 3 2 3 ,4 5 5
I n c r e a s e in S e c u r it ie s o n A v a ila b le F o r S a le P o r t fo lio
- - - -
S u b T o ta l 3 4 5 ,5 9 3
4 0 1 ,6 2 0 M a x im u m o f 1 0 0 o f C o re C a p it a l
3 4 5 ,5 9 3 4 0 1 ,6 2 0
T o ta l C o r e a n d S u p p le m e n ta r y C a p it a l 1 ,1 7 0 ,1 0 8
1 ,1 1 2 ,7 3 2 I n v e s t m e n ts in S h a r e s o f S to c k s
9 2 7 9 2 7
T o ta l C a p it a l 1 ,1 6 9 ,1 8 1
1 ,1 1 1 ,8 0 5 R is k W e ig h te d A s s e t s A T M R C r e d i t
7 ,7 2 5 ,6 9 0 6 ,7 1 0 ,5 3 0
R is k W e ig h te d A s s e t s A T M R M a r k e t 8 3 4 ,2 0 9
1 ,7 4 1 ,5 7 5 C a p it a l A d e q u a c y R a t io w it h cr e d it R is k
1 5 .1 3 1 7 .2 1
C a p it a l A d e q u a c y R a t io w it h C r e d it R is k a n d M a r k e t R is k
1 3 .6 7 1 3 .6 6
B a s e d o n P B I N o .3 2 1 P B I 2 0 0 1 d a te d D e c e m b e r 1 3 , 2 0 0 1 , c a p it a l a d e q u a c y r a tio s h o u ld b e c o m p u t e d e x c lu d in g t h e e f fe c t o f d e f e r re d ta x .
Laporan Tahunan 2009 Annual Report
335
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
6 5 3 7 .
I M P O R T A N C E F I N A N C I A L R A T I O S
a . T h e fo l l o w i n g t a b le p re s e n ts th e ra t io o f th e B a n k ’s e a r n in g a s s e t s b e fo r e th e a llo w a n c e fo r
p o s s ib le lo s s e s t o t o t a l a s s e t s :
2 0 0 9 2 0 0 8
C u rr e n t a c c o u n ts w ith o th e r b a n k s , E x c lu d in g N o n - P e r fo r m in g A c c o u n t s
1 .6 8 0 .3 4
P la c e m e n ts w ith O th e r B a n k s a n d B a n k In d o n e s ia , E x c lu d in g N o n - P e r fo r m in g A c c o u n t s
1 3 .8 1 4 .8 8
S e c u rit ie s , E x c lu d in g N o n P e r fo r m in g A c c o u n t s 2 9 .1 8
3 7 .0 1 L o a n s , E x c lu d in g N o n P e r fo r m in g A c c o u n t s
4 3 .0 1 4 5 .4 9
I n v e s t m e n t in S h a r e s o f S to c k , E x c lu d in g N o n P e r fo r m in g A c c o u n t s
0 .0 1 0 .0 1
T o t a l E a r n in g A s s e t s 8 7 .6 9
8 5 .6 4 b .
O t h e r s I m p o r t a n t F in a n c ia l R a t io : 2 0 0 9
2 0 0 8
N o n P e rfo r m in g L o a n N P L B a n k - N e t 3 .2 6
2 .0 5 N o n P e rfo r m in g L o a n N P L B a n k -G r o s s
5 .7 6 4 .9 2
O p e r a t io n a l E x p e n s e s o n O p e r a t io n a l In co m e B O P O 8 8 .4 6
8 9 .7 1 N e t In te r e s t M a r g in N I M
6 .1 4 6 .2 2
R e t u r n O n A s s e t s R O A 1 .4 1
1 .4 1 R e t u rn O n E q u it y R O E
1 7 .0 0 1 5 .0 4
N e t O p e n P o s it io n N O P 7 .5 0
9 .7 5 L o a n to D e p o s it R a t io L D R
5 7 .2 5 6 6 .9 8
3 8 . G O V E R N M E N T G U A R A N T E E O N O B L I G A T I O N S O F C O M M E R C I A L B A N K S
T h ro u g h th e R e g u la t io n o f th e M in is t e r o f F i n a n c e o f th e R e p u b lic o f In d o n e s ia N o .1 7 P M K . 0 5 2 0 0 5 d a t e d M a r c h 3 , 2 0 0 5 , t h e G o v e rn m e n t G u a r a n te e P r o g r a m is e n d e d o n S e p t e m b e r 2 1 , 2 0 0 5 . F o llo w in g
t h a t , b a s e d o n th e L a w N o . 2 4 o f 2 0 0 4 , d a t e d S e p t e m b e r 2 2 , 2 0 0 4 r e g a r d in g D e p o s it I n s u r a n c e A g e n c y L P S , t h e L P S G u a r a n t e e P r o g r a m w o u ld s ta r t e f fe c t iv e ly o n S e p t e m b e r 2 2 , 2 0 0 5 . A ll b a n k s th a t h a v e
b u s in e s s lic e n s e s a r e m e m b e r s o f L P S G u a r a n t e e P r o g r a m .
336
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
6 6 3 9 .
B U S I N E S S S E G M E N T I N F O R M A T I O N 2009
Non Sharia Sharia
Total ASSETS
Cash and Cash Equivalents 526,875,675,875
2,439,147,800 529,314,823,675
526,875,675,875 2,439,147,800
529,314,823,675 Placements with Other Banks and
Bank Indonesia 3,011,706,935,191
41,532,751,697 3,053,239,686,888
Allowance for Possible Losses 13,504,983,439
-- 13,504,983,439
2,998,201,951,752 41,532,751,697
3,039,734,703,449 Securities-Rupiah
Trading 1,095,361,624,998
-- 1,095,361,624,998
Held-to-Maturity 3,281,711,203,180
5,000,000,000 3,286,711,203,180
Securities Foreign Currencies Held-to-Maturity
95,470,628,195 --
95,470,628,195 Allowance for Possible Losses
7,665,181,873 40,000,000
7,705,181,873 4,464,878,274,500
4,960,000,000 4,469,838,274,500
Loans Rupiah
6,352,419,199,253 651,085,900,700
7,003,505,099,953 Foreign Currencies
-- --
-- Allowance for Possible Losses
227,984,385,630 5,701,574,759
233,685,960,389 6,124,434,813,623
645,384,325,941 6,769,819,139,564
Accrued Income 151,332,933,905
116,849,997 151,449,783,902
Other Assets 11,601,386,002
5,236,578,934 16,837,964,936
162,934,319,907 5,353,428,931
168,287,748,838 TOTAL ASSETS
14,277,325,035,657 699,669,654,369
14,976,994,690,026 LIABILITIES
Demand Deposits Rupiah
5,953,062,521,186 34,410,456,484
5,987,472,977,670 Foreign Currencies
206,131,774,188 --
206,131,774,188 Saving Deposits
2,293,087,906,211 67,712,174,975
2,360,800,081,186 Time Deposits
Rupiah 3,406,398,971,629
272,535,414,077 3,678,934,385,706
Foreign Currencies 832,212,952
-- 832,212,952
Deposits from Customers 11,859,513,386,166
374,658,045,536 12,234,171,431,702
Borrowing Rupiah
210,307,724,494 --
210,307,724,494 Accruals and Other Liabilities
54,685,810,210 106,854,026,637
161,539,836,847 TOTAL LIABILITIES
12,124,506,920,870 481,512,072,173
12,606,018,993,043
Laporan Tahunan 2009 Annual Report
337
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
6 7 3 9 .
B U S I N E S S S E G M E N T I N F O R M A T I O N C o n t i n u e d 2009
Non Sharia Sharia
Total INCOME
Interest Income Rupiah
1,520,529,208,574 59,149,849,768
1,579,679,058,342 Foreign Currencies
8,247,156,700 --
8,247,156,700 Fees and Commissions
Rupiah 73,284,334,348
-- 73,284,334,348
Interest Income 1,602,060,699,622
59,149,849,768 1,661,210,549,390
Fees and Commissions-Net 16,187,641,391
-- 16,187,641,391
Other Income Expenses 16,187,641,391
-- 16,187,641,391
TOTAL INCOME 1,618,248,341,013
59,149,849,768 1,677,398,190,781
2008 Non Sharia
Sharia Total
ASSETS
Cash and Cash Equivalents 396,172,787,312
1,418,405,850 397,591,193,162
396,172,787,312 1,418,405,850
397,591,193,162 Placements with Other Banks and
Bank Indonesia 1,191,451,389,111
17,385,895,385 1,208,837,284,496
Allowance for Possible Losses 7,268,733,895
-- 7,268,733,895
1,184,182,655,216 17,385,895,385
1,201,568,550,601 Securities-Rupiah
Trading 1,675,914,888,514
-- 1,675,914,888,514
Held-to-Maturity 3,222,974,469,657
5,000,000,000 3,227,974,469,657
Securities Foreign Currencies Held-to-Maturity
110,224,844,009 --
110,224,844,009 Allowance for Possible Losses
8,668,369,187 40,000,000
8,708,369,187 5,000,445,832,993
4,960,000,000 5,005,405,832,993
Loans Rupiah
5,859,477,517,568 452,073,923,819
6,311,551,441,387 Foreign Currencies
-- 293,786,885,770
293,786,885,770 Allowance for Possible Losses
204,273,562,363 153,590,212,615
357,863,774,978 5,655,203,955,205
592,270,596,974 6,247,474,552,179
Accrued Income 178,289,800,002
57,849,998 178,347,650,000
Other Assets 25,082,659,694
345,953,126 25,428,612,820
203,372,459,696 403,803,124
203,776,262,820 TOTAL ASSETS
12,439,377,690,422 616,438,701,333
13,055,816,391,755
338
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
6 8 3 9 .
B U S I N E S S S E G M E N T I N F O R M A T I O N C o n t i n u e d 2008
Non Sharia Sharia
Total LIABILITIES
Demand Deposits Rupiah
5,442,508,134,013 22,872,871,963
5,465,381,005,976 Foreign Currencies
27,010,557,610 --
27,010,557,610 Saving Deposits
2,080,850,017,345 49,323,812,326
2,130,173,829,671 Time Deposits
Rupiah 1,908,624,751,310
146,406,836,452 2,055,031,587,762
Foreign Currencies 1,303,801,429
-- 1,303,801,429
Deposits from Customers 9,460,297,261,707
218,603,520,741 9,678,900,782,448
Borrowing Rupiah
286,535,199,057 --
286,535,199,057 Accruals and Other Liabilities
138,003,370,132 20,411,235,936
158,414,606,068 TOTAL LIABILITIES
9,884,835,830,896 239,014,756,677
10,123,850,587,573 INCOME
Interest Income Rupiah
1,340,188,822,377 25,227,379,162
1,365,416,201,539 Foreign Currencies
1,064,067,089 24,591,000,000
25,655,067,089 Fees and Commissions
Rupiah 33,965,639,935
-- 33,965,639,935
Interest Income 1,375,218,529,401
49,818,379,162 1,425,036,908,563
Fees and Commissions-Net 12,695,327,900
-- 12,695,327,900
Other Income Expenses 12,695,327,900
-- 12,695,327,900
TOTAL INCOME 1,387,913,857,301
49,818,379,162 1,437,732,236,463
Laporan Tahunan 2009 Annual Report
339
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
6 9 4 0 .
A N A L Y S I S O F A S S E T S , L I A B I L I T I E S B A S E D O N R E M A I N I N G M A T U R I T I E S
T h e t a b le b e lo w p r e s e n ts t h e b a n k ’s a s s e t s a n d lia b ilit ie s a re g ro u p e d b a s e d o n t h e re m a in in g p e rio d fr o m d a t e o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 u n t il m a t u r it y .
2009 Amount
1 month 1 to 3 moth
3 to 12 months
1 to 5 years 5 years
Asset
Cash 529,314,823,675
529,314,823,675 --
-- --
-- Current Account With Bank Indonesia
671,307,425,872 671,307,425,872
-- --
-- --
Current Account With Other Bank 262,813,740,030
262,813,740,030 --
-- --
-- Placements with Other Bank and Bank
Indonesia 2,119,118,520,986
2,019,118,520,986 100,000,000,000
-- --
-- Securities
4,477,543,456,373 974,574,175,397
110,203,463,771 159,003,764,176
1,050,672,812,461 2,183,089,240,568
Reverse Repo 148,040,334,915
148,040,334,915 --
-- --
-- Loans
7,003,505,099,953 --
-- 821,286,028,230
6,182,219,071,723 --
Investments In Shares of Stocks 926,600,000
-- --
-- --
926,600,000 Fixed Asset
318,794,836,746 --
-- --
-- 318,794,836,746
Deferred Tax Assets 22,928,618,151
-- --
22,928,618,151 --
-- Prepaid Tax
1,228,771,982 --
1,228,771,982 --
-- --
Accrued Income 151,449,783,902
151,449,783,902 --
-- --
-- Prepaid Expense
10,310,541,337 10,310,541,337
-- --
-- --
Other Assets 16,837,964,936
15,686,954,758 --
-- 1,151,010,178
-- Total Assets
15,734,120,518,858 4,782,616,300,872
211,432,235,753 1,003,218,410,557
7,234,042,894,362 2,502,810,677,314
Liabilities
Current Liabilities 348,175,713,196
348,175,713,196 --
-- --
-- Deposits From Customers
12,234,171,431,701 10,499,525,186,503
900,934,274,905 833,711,970,293
-- --
Deposits From Other Bank 700,473,654,249
557,011,720,131 142,511,934,118
950,000,000 --
-- Securities Issued
747,280,862,371 --
-- --
423,462,492,294 323,818,370,077
Borrowing 210,307,724,494
-- --
-- 98,022,418,408
112,285,306,086 Taxes Payable
27,486,631,248 27,486,631,248
-- --
-- --
Estimated Losses on Commitments and Contingencies
4,887,777,860 4,887,777,860
-- --
-- --
Employee Liabilities Benefit --
-- --
-- --
-- Accruals and Other Liabilities
161,539,836,847 116,432,391,004
26,607,445,843 --
-- 18,500,000,000
Total Liabilities 14,434,323,631,966
11,553,519,419,942 1,070,053,654,866
834,661,970,293 521,484,910,702
454,603,676,163 The Excess of Assets with Liabilities
1,299,796,886,892 6,770,903,119,070
858,621,419,113 168,556,440,264
6,712,557,983,660 2,048,207,001,151
340
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
7 0 4 0 .
A N A L Y S I S O F A S S E T S , L I A B I L I T I E S B A S E D O N R E M A I N I N G M A T U R I T I E S C o n t i n u e d
2008 Amount
1 month 1 to 3 month
3 to 12 months 1 to 5 years
5 years Asset
Cash 397,591,193,162
397,591,193,162 --
-- --
-- Currents Accounts With Bank
Indonesia 501,322,580,385
501,322,580,385 --
-- --
-- Currents Accounts With Other
Banks 45,783,934,955
45,783,934,955 --
-- --
-- Placements With Other Banks and
Bank Indonesia 661,730,769,156
660,381,069,156 1,349,700,000
-- --
-- Securities
5,014,114,202,180 --
-- 182,031,829,266
670,237,527,932 4,161,844,844,982
Reverse Repo 277,151,136,620
277,151,136,620 --
-- --
-- Loans
6,477,383,045,505 --
-- 913,666,436,006
5,563,716,609,499 --
Investments In Shares of Stocks 926,600,000
-- --
-- --
926,600,000 Fixed Assets
292,105,798,156 --
-- --
-- 292,105,798,156
Deferred Tax Assets 20,800,287,825
-- --
-- --
20,800,287,825 Prepaid Tax
6,032,566,180 --
-- --
6,032,566,180 --
Accrued Income 178,347,650,000
178,347,650,000 --
-- --
-- Prepaid Expense
14,992,801,471 14,992,801,471
-- --
-- --
Other Assets 25,428,612,820
22,209,857,533 3,218,755,287
Total Assets 13,913,711,178,415
2,097,780,223,282 1,349,700,000
1,095,698,265,272 6,243,205,458,898
4,475,677,530,963
Liabilities
Current Liabilities 334,024,568,972
334,024,568,972 --
-- --
-- Deposits From Customers
9,678,900,782,449 9,133,954,947,851
341,514,980,311 203,430,854,287
-- --
Deposits From Other Bank 1,047,330,383,803
1,044,960,383,803 2,370,000,000
-- --
-- Securities Issued
1,192,132,491,543 --
446,500,000,000 422,177,699,902
323,454,791,641 Borrowing
286,535,199,057 --
-- --
286,535,199,057 --
Taxes Payable 34,046,031,895
16,026,661,804 18,019,370,091
-- --
-- Estimated Losses on
Commitments and Contingencies 3,454,729,609
-- 3,454,729,609
-- --
Employee Liabilities Benefits --
-- --
-- --
-- Accruals and Other Liabilities
158,414,606,068 --
158,414,606,068 --
-- --
Total Liabilities 12,734,838,793,396
10,528,966,562,430 520,318,956,470
653,385,583,896 708,712,898,959
323,454,791,641 The Excess of Assets with
Liabilities 1,178,872,385,019
8,431,186,339,148 518,969,256,470
442,312,681,376 5,534,492,559,939
4,152,222,739,322
T h e e ffo r t m a d e b y t h e B a n k t o o v e r c o m e t h e m a t u r it y g a p s a r e fo llo w s : 1 .
R e d u c e c a p it a l in v e s t m e n t in t h e s e c u r it ie s p o r t fo lio in v e s t m e n t lo n g t e r m . 2 .
F in d in g th e s o u rc e o f th e m e d iu m a n d lo n g t e r m fu n d s , a m o n g o th e r s , b y is s u in g n e w b o n d s o r s e e k in g a n e w lo n g - t e r m m e d iu m in t e r b a n k lo a n s .
Laporan Tahunan 2009 Annual Report
341
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
7 1 4 1 .
P R O S P E C T I V E A C C O U N T I N G P R O N O U N C E M E N T A N D O T H E R R E G U L A T I O N S
T h e fo llo w in g s u m m a r iz e s t h e r e v i s e d S t a t e m e n t s o f F i n a n c i a l A c c o u n t in g S t a n d a r d s P S A K w h ic h w e r e is s u e d b y th e In d o n e s ia n In s t it u te o f A c c o u n ta n ts a n d w ill ta k e e ffe c t a ft e r D e c e m b e r 3 1 , 2 0 0 9 :
a . P S A K N o . 5 0 R e v is io n o f 2 0 0 6 , “ F in a n cia l I n s t r u m e n ts : P r e s e n ta t io n a n d D is c lo s u re s “ c o n ta in s
t h e r e q u ir e m e n t s f o r t h e p re s e n t a tio n o f f in a n c ia l s t a te m e n t s a n d id e n t ifie s th e in fo rm a tio n th a t s h o u ld b e d is c lo s e d . T h e p r e s e n t a t io n r e q u ir e m e n t , fr o m t h e p e r s p e c t iv e o f t h e is s u e r , in t o
fin a n c i a l a s s e t s , fin a n c i a l lia b ilit ie s , a n d e q u it y in s t r u m e n t ; t h e c la s s ific a t io n o f r e la t e d in t e r e s t , d iv id e n d s , lo s s e s a n d g a in s ; a n d t h e c ir c u m s ta n c e s in w h ic h fin a n c ia l a s s e ts a n d fin a n c ia l lia b ilit ie s
s h o u ld b e o f fs e t . T h is s t a n d a r d r e q u ir e s t h e d is c lo s u r e , a m o n g o t h e r s , o f in fo r m a t io n a b o u t fa c t o r s t h a t a ffe c t th e a m o u n t , tim in g a n d c e rt a in t y o f a n e n t it y ’s fu t u r e c a s h f l o w r e l a t in g to fin a n c ia l
in s t r u m e n ts a n d t h e a c c o u n t in g p o lic ie s a p p lie d to th o s e in s t r u m e n t. P S A K 5 0 R e v i s e d 2 0 0 6 s u p e r c e d e s P S A K N o . 5 0 “ A c c o u n t in g fo r C e r t a in I n v e s t m e n t in S e c u r it ie s ” a n d is a p p lie d
p ro s p e c t iv e ly fo r th e p e r io d s b e g in n in g o n o r a ft e r J a n u a ry 1 , 2 0 1 0 . E a r lie r a p p lic a tio n is p e rm it t e d a n d s h o u ld b e d is c lo s e d .
b . P S A K N o . 5 5 R e v is io n o f 2 0 0 6 . “ F in a n c ia l In s t r u m e n t : R e c o g n it io n a n d M e a s u r e m e n t fi n a n c ia l
a s s e t s , fin a n c i a l lia b ilit ie s , a n d s o m e c o n t r a c t s t o b u y o r s e ll n o n - fin a n c i a l it e m s . T h is s t a n d a r d p r o v id e s
fo r t h e
d e fin it io n s a n d
it e m s . T h is
s t a n d a r d s p r o v id e s
fo r t h e
d e fin it io n s a n d
c h a r a c te r is t ic s o f
a d e riv a t iv e s ,
th e c a t e g o r ie s
o f fin a n c ia l
in s t r u m e n t, re c o g n i t io n
a n d m e a s u r e m e n t , h e d g e a c c o u n t in g a n d d e te rm in a tio n o f h e d g in g r e la tio n s h ip , a m o n g o th e rs . P S A K
N o . 5 5 R e v is io n o f 2 0 0 6 s u p e rc e d e s P S A K N o . 5 5 “ A c c o u n t in g fo r D e r iv a t iv e s In s t r u m e n ts a n d H e d g in g A c t iv it ie s ” , a n d is a p p lie d p r o sp e c tiv e ly fo r fin a n c ia l s t a te m e n t c o v e rin g t h e p e r io d s
b e g in n in g o n o r a ft e r J a n u a ry 1 , 2 0 1 0 . E a rlie r a p p lic a tio n is p e rm it t e d a n d s h o u ld b e d is c lo s e d . c .
R e v o c a t io n o f S t a t e m e n t o f F in a n c ia l A c c o u n t in g S t a n d a r d P P S A K N o .4 , R e v o c a t io n o f P S A K N o .3 1 : “A c c o u n t in g B a n k in g I n d u s t r y ” , a n d P S A K N o .4 9 : “A c c o u n t in g fo r M u t u a l F u n d s ” a p p lie s
t o a ll e n tit ie s th a t a d o p t P S A K 3 1 R e v is e d 2 0 0 0 , P S A K N 0 .4 2 a n d P S A K N o . 4 9 . E ffe c t iv e o n o r a ft e r J a n u a ry 1 , 2 0 1 1 :
a . P S A K N o . 1 R e v is e d 2 0 0 9 , P r e s e n ta tio n o f F in a n c ia l S ta t e m e n t” , p r e s c r ib e s th e b a s is fo r
p re s e n ta tio n o f g e n e ra l p u rp o s e fin a n c ia l sta te m e n ts t o e n s u re c o m p a ra b ility b o th w ith th e e n tity ’s fin a n c ia l s t a t e m e n t s o f p r e v io u s p e r io d s a n d w it h th e fin a n c ia l s t a t e m e n t s o f o t h e r e n t it ie s .
b . P S A K N o . 2 R e v is e d 2 0 0 9 , “S ta t e m e n ts “S ta t e m e n ts o f C a s h F lo w s ” , re q u ir e s th e p ro v is io n o f
in fo r m a t io n a b o u t t h e h is to r ic a l c h a n g e s in c a s h a n d e q u iv a le n t s b y m e a n s o f a s t a t e m e n t s o f c a s h flo w s w h ic h cla s s ifie s c a s h flo w s d u rin g th e p e rio d in to o p e r a t in g , in v e s t in g a n d fin a n c in g
a c t iv it ie s . c .
P S A K N o . 4 R e v is e d 2 0 0 9 , “C o n s o lid a t e d a n d S e p a r a te F in a n c ia l S t a te m e n t s ” , s h a ll b e a p p lie d in t h e p re p a ra tio n a n d p re s e n t a tio n o f c o n s o lid a t e d fin a n c ia l s t a te m e n t s fo r a g ro u p o f e n t it ie s
u n d e r t h e c o n t r o l o f a p a r e n t a n d in a c c o u n t in g fo r in v e s t m e n t s in s u b s id ia rie s , jo in t ly c o n t r o lle d e n t it ie s
a n d a s s o cia te s
w h e n s e p a ra te
fin a n c ia l s t a te m e n t s
a r e p re s e n t e d
a s a d d it io n a l
in fo r m a t io n .
342
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
7 2 4 1 .
P R O S P E C T I V E A C C O U N T I N G P R O N O U N C E M E N T A N D O T H E R R E G U L A T I O N S C o n t i n u e d
d . P S A K N o . 5 R e v is e d 2 0 0 9 , “ O p e r a t in g S e g m e n t s ” . S e g m e n t in fo r m a t io n in d is c lo s e d to e n a b le
u s e rs o f fin a n c ia l s t a te m e n t s to e v a lu a te th e n a t u r e a n d fin a n c ia l e ffe c t s o f t h e b u s in e s s a c t iv it ie s in w h ic h t h e e n t it y e n g a g e s a n d th e e c o n o m ic s e n v ir o n m e n t s in w h ic h it o p e r a t e s .
e . P S A K N o . 4 8 R e v i s e d 2 0 0 9 , “ I m p a ir m e n t o f A s s e t s ” , p r e s c r ib e s t h e p r o c e d u r e s a p p lie d t o e n s u r e
t h a t a s s e ts a r e c a rr ie d a t n o m o re t h a n th e ir re c o v e ra b le a m o u n t a n d if th e a s s e ts a r e im p a ir e d , a n d im p a ir m e n t lo s s s h o u ld b e re c o g n iz e d .
f. P S A K N o . 5 7 R e v i s e d 2 0 0 9 , P r o v i s io n s , C o n t in g e n t L i a b ilit ie s a n d C o n t in g e n t A s s e t s ” , a im s t o
r e g u la t e th e re c o g n it io n a n d m e a s u r e m e n t o f e s t im a t e d lia b ilit ie s , c o n tin g e n t lia b ilit ie s a n d c o n t in g e n t a s s e ts a n d t o e n s u r e t h a t s u ffic ie n t in fo rm a tio n is d is c lo s e d in th e n o te s to fin a n c ia l
s t a t e m e n ts to e n a b le u s e r s to u n d e r s t a n d th e n a t u re , tim in g a n d a m o u n t re la t e d to th e in fo r m a t io n .
A s a llo w e d u n d e r th e B a n k In d o n e s ia C ir c u la r Le t t e r S E - B I N o . 1 1 3 3 D P N P d a t e d D e c e m b e r 8 , 2 0 0 9 , t h e in it ia l a p p lic a t io n fo r p u rp o s e o f P S A K N o . 5 0 a n d N o . 5 5 , th e B a n k w ill a p p ly th e tr a n s it io n r u le fo r
c o lle c t iv e im p a ir m e n t c a lc u la tio n o n lo a n s b a se d o n t h e p re v a ilin g B a n k I n d o n e s ia r e g u la tio n o n A s s e t Q u a lit y R a t in g s fo r C o m m e r c ia l B a n k s . B a s e d o n t h e a fo r e m e n t io n e d S E -B I, t h e t r a n s it io n r u l e f o r
c o lle c t iv e im p a ir m e n t c a lc u la t io n o n lo a n s c a n b e a p p lie d u n t il D e c e m b e r 3 1 , 2 0 1 1 .
O t h e r R e g u la t io n
T h e m in is t r y
o f F i n a n c e
o f R e p u b lic
I n d o n e s ia re le a s e d
F in a n c e M in is t e r
R e g u la t io n N o .
1 6 P M K . 0 3 2 0 1 0 d a te d J a n u a ry 2 5 , 2 0 1 0 r e g a r d in g T h e P r o c e d u r e s o f W it h h o ld in g T a x o n A r t ic le 2 1 fo r In c o m e a s S e v e r a n c e , P e n s io n B e n e fit s , O ld A g e A llo w a n ce , O ld A g e S e c u r it y a n d p a id a t o n c e ,
s t a t e d th a t in c o m e s p a y m e n t fo r jo b t e r m in a t io n fu n d , p e n s io n fu n d , o ld d a y b e n e fit s th a t fu lly p a id w it h t h e a m o u n t m o r e th a n R p 5 0 ,0 0 0 ,0 0 0 a re s u b je c t e d p ro g r e s s iv e in c o m e ta x a m o u n t in g to 5 ,
1 5 a n d 2 5 .
4 2 . S U B S E Q U E N T E V E N T S
a . B a s e d o n th e G e n e r a l M e e t in g E x t r a o r d in a r y S h a r e h o ld e r s o n J a n u a r y 1 4 , 2 0 1 0 , w h ic h is
d o c u m e n te d in n o ta r ia l d e e d N o . 1 2 d a te d J a n u a ry 1 4 , 2 0 1 0 o f N y . P o e rb a n in g s ih A d i W a r s it o , S . H ., th e c o u n c il u n a n im o u s ly a p p r o v e d t h e m e e t in g :
1 . V a lid a t io n o f S h a r e P a r t ic i p a t io n b y th e G o v e r n m e n t o f S p e c i a l R e g io n a l C a p it a l o f J a k a r t a
a m o u n t in g o f R p 1 0 ,8 3 4 ,5 6 2 ,9 5 0 w it h d e t a ils : -
A m o u n t in g o f R p 1 0 ,8 3 4 ,0 0 0 ,0 0 0 to a d d it io n a l p a id - in ca p it a l fo r th e fu lfilm e n t o f th e G o v e rn m e n t o f S p e c ia l R e g io n a l C a p it a l o f J a k a rt a .
- A m o u n t in g o f R p 5 6 2 ,9 5 0 w a s in c lu d e d a s p a id - u p c a p it a l re s e r v e s .
Laporan Tahunan 2009 Annual Report
343
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
7 3 4 2 .
S U B S E Q U E N T E V E N T S C o n t i n u e d
W it h th e a d d it io n o f th e c a p i t a l s t o c k o w n e r s h ip s tr u c tu r e t o b e a s fo llo w s :
S h a r e s P e r c e n t a g e
A m o u n t R p
S e r ie s A S h a r e s M o n u m e n N a s io n a l G o v e rn m e n t o f P r o v in c e D K I J a k a rt a
2 0 0 ,0 0 0 3 2 ,7 2
2 0 0 ,0 0 0 ,0 0 0 ,0 0 0 S e r ie s B S h a re s
G o v e rn m e n t o f P r o v in c e D K I J a k a rt a 4 1 0 ,1 5 9
6 7 ,1 1 4 1 0 ,1 5 9 ,0 0 0 ,0 0 0
P D P a s a r J a y a 1 ,0 0 0
0 ,1 7 1 ,0 0 0 ,0 0 0 ,0 0 0
T o t a l 6 1 1 ,1 5 9
1 0 0 6 1 1 ,1 5 9 ,0 0 0 ,0 0 0
2 . T e r m in a t io n o f B o a r d o f D ire c t o r s o f th e B a n k w ith re s p e c t a n d te m p o r a r y a p p o in t m e n t s u n t il
t h e B o a rd o f D ir e c t o r s d e te r m in e d th a t th e e n t ir e b o a rd o f d ir e c t o r s d e f in it iv e e x c e p t th a t th e m a r k e t in g d ir e c t o r M u h a m m a d Ir fa n d i , s o t h a t th e c o m p o s it io n o f d ir e c t o r s a r e a s fo llo w s :
D ire c to r : W in n y E r w in d ia
C o m p lia n c e : A r is A n w a r i
D ir e c to r o f F in a n c e : M a m a d S a c h ro n i
D ir e c to r o f O p e ra tio n s : Ilh a m y a h J o e n o e s
b . B a s e o n th e D ir e c t o r G e n e ra l o f T a x e s D e c r e e N o . K E P -0 0 0 0 8 .P P H W P J .0 6 K P .1 2 3 2 0 1 0 d a te d
J a n u a r y 1 8 , 2 0 1 0 , it w a s d e c id e d r e fu n d e x c e s s ta x p a y m e n t s T a x A r t ic le 2 5 2 9 Y e a r 2 0 0 6 is R p 1 ,2 2 8 ,7 7 1 ,9 8 2 o r R p 2 ,1 5 2 ,2 4 3 ,6 0 0 c a lc u la t e d b y t h e in c o m e t a x p a y a b le a r t ic le s 2 3 a n d A r t ic le
4 2 t h e fin a l a m o u n t o f R p 9 2 3 ,4 7 1 ,6 1 8 . c .
O n M a r c h 1 0 , 2 0 1 0 t h e B a n k h a s r e c e iv e d p a y m e n t fr o m I n d o v e r B a n k a m o u n t in g t o R p 2 , 6 2 3 , 9 4 5 , 2 1 4 o r E u r o 1 9 3 , 7 5 7 . 3 4 t h r o u g h D e u t s c h e B a n k A G F r a n k f u r t .
d . I n c o n n e c t io n w it h th e C ir c u la r L e tt e r o f B a n k In d o n e s ia B I - S E N o . 1 1 3 3 D P N P d a t e d D e ce m b e r
8 , 2 0 0 9 r e g a rd in g th e im p le m e n t a tio n o f P A P I R e v is e d 2 0 0 8 r e la tin g t o a d o p t io n o f P S A K N o . 5 0 R e v is e d 2 0 0 6 , F in a n c ia l In s t r u m e n t s : P r e s e n ta t io n a n d D is c lo s u re , a n d P S A K N o . 5 5
R e v is e d 2 0 0 6 , F in a n c ia l In s t r u m e n t s : R e c o g n itio n a n d M e a s u r e m e n t w h ic h w ill b e a p p lie d p r o s p e c t iv e ly fo r th e p e rio d co m m e n c in g o n J a n u a r y 1 , 2 0 1 0 , t h e B a n k h a s a d o p te d g ra d u a lly a n d
p la n n e d b o t h P S A K m a y b e a p p lie d e n tire ly a t th e la t e s t o n D e c e m b e r 3 1 , 2 0 1 1 . B e s id e s , th e B a n k h a s s u b m it t e d it s r e p o r t t h e r e a liz a tio n o f a c t io n p la n im p le m e n t a tio n o f P S A K
N o . 5 0 R e v is e d 2 0 0 6 a n d P S A K N o . 5 5 R e v i s e d 2 0 0 6 to B a n k In d o n e s ia in it s le t t e r s N o . 0 3 D I R G P S I 2 0 1 0 d a te d J a n u a ry 2 8 , 2 0 1 0 .
344
Laporan Tahunan 2009 Annual Report
The original financial statements are in Indonesian Language.
P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S
F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8
E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d
7 4 4 3 .
E C O N O M I C C O N D I T I O N
T h e o p e r a t io n o f th e B a n k h a s b e e n a ffe c t e d a n d m a y c o n tin u e t o b e a ffe c t e d in th e fu tu re b y th e e c o n o m ic c o n d it io n s in I n d o n e s ia . D e s p it e r e c e n t im p ro v e m e n t s in k e y e c o n o m ic in d ic a to rs , In d o n e s ia n
b a n k s h a v e e n g a g e d in h a n d ica p le n d in g a c tivitie s . E c o n o m ic im p r o v e m e n ts a n d s u s t a in e d re c o v e ry a r e d e p e n d e n t u p o n s e v e ra l fa c t o r s s u c h a s fis c a l a n d
m o n e ta ry a c t io n s th a t h a d b e e n a n d w ill b e u n d e r t a k e n b y th e G o v e rn m e n t a n d o th e rs , a c t io n s th a t a r e b e y o n d t h e c o n t r o l o f th e B a n k .
4 4 . T H E P R E S E N T A T I O N O F F I N A N C I A L S T A T E M E N T
T h e m a n a g e m e n t o f t h e B a n k is r e s p o n s i b le fo r t h e c o n t e n t a n d p r e s e n t a t io n o f fin a n c i a l s t a t e m e n t s t h a t w e r e c o m p le t e d o n M a r c h 2 5 , 2 0 1 0 .
Laporan Tahunan 2009 Annual Report
345
Struktur Organisasi
Organizational Structure
Pejabat Eksekutif
Executive Oficers
Produk dan Jasa
Product and Services
Alamat Kantor Cabang
Branch Oficers Address
Kantor Bank DKI di Luar Kantor Pusat
Bank DKI Ofice Outside Head Ofice
Lembaga dan Profesi Penunjang Pasar Modal
Capital Market Supporting Institution and Professional Services
Data Perusahaan
Corporate Data
346
Laporan Tahunan 2009 Annual Report
Struktur Organisasi
Organizational Structure
DIREKSI
BOARD OF DIRECTORS KOMITE NOMINASI REMUNERASI
REMUNERATION NOMINATION COMMITTEE
KOMITE PEMANTAU RISIKO RISK OvERSIgHt COMMIttEE
KOMITE AUDIT AUDIT COMMITTEE
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
GRUP AUDIT INTERN
INTERNAL AUDIT GROUP
RUPS
GMS
GRUP MORTGAGE HOUSING
MORtgAgE HOuSIng gROuP
GRUP SYARIAH
SHARIA gROuP
GRUP KONSUMER
CONSUMER GROUP
GRUP KOMERSIAL
COMERCIAL GROUP
DIREKTUR PEMASARAN
MARKETING DIRECTOR
DIREKTUR KEPATUHAN
COMPLIANCE DIRECTOR
GRUP PERENCANAAN STRATEGIS
STRATEGIC PLANNING GROUP
CORPORATE SECRETARY
CORPORATE SECRETARY
DIREKTUR UTAMA
PRESIDENT DIRECTOR
UKPN
UKPN
GRUP QUALITY ASSURANCE
QUALITY ASSURANCE GROUP
GRUP TEKNOLOGI
tECHnOlOgy gROuP
GRUP PEMBINAAN CABANG
BRAnCH DEvElOPMEnt gROuP
DIREKTUR OPERASIONAL
OPERATIONAL DIRECTOR
GRUP MANAJEMEN RISIKO DAN KEPATUHAN
RISK MANAGEMENT AND COMPLIANCE GROUP
GRUP SUMBER DAYA MANUSIA
HuMAn RESOuRCES gROuP
Laporan Tahunan 2009 Annual Report
347
Pejabat Eksekutif
Executive Oficers
STAF KHUSUS
SPECIAL STAFF
Supiyanto
Pemimpin Grup Audit Intern Internal Audit Group Head
Azwir Syamsir
Pemimpin grup Perencanaan Strategis Strategic Planning Group Head
Masril Mansur
Corporate Secretary Corporate Secretary
M. Yuslim Huda Akbar
Pemimpin grup Manajemen Risiko dan Kepatuhan Head of Risk Management and Compliance Group
Enny Rantih Sofyan
Pemimpin grup Sumber Daya Manusia Head of Human Resources Group
Budi Pudjijono
Pemimpin grup Komersial Head of Commercial Group
Agus Suryantono
Pemimpin grup Konsumer Head of Consumer Group
Fermiyanti
Pemimpin Grup Mortgage and Housing Head of Mortgage and Housing Group
Athouf Ibnu Tama
Pemimpin Grup Syariah Sharia Group Head
Budi Mulyo Utomo
Pemimpin grup Quality Assurance Head of Quality Assurance Group
Vacant
Pemimpin Grup Teknologi Technology Group Head
Daru Wisaksono
Pemimpin Grup Pembinaan Cabang Head of Branch Development Group
Sudarmadi
Pemimpin grup tresuri Head of Treasury Group
Amin Widayat
Pemimpin grup Supervisi Kredit Head of Credit Supervision Group
Syamsudin
Pemimpin Grup Pengendalian Keuangan Anggaran Head of Financial Budget Control Group
Sri Suwarsini R. Suparman
Staf Khusus Direksi Board of Directors’ Special Staff
Berdasarkan Keputusan Direksi Bank DKI No. 16 tanggal 3 Februari 2009.
Based on Bank DKI Directors’ Decision No. 16 tanggal 3 February 2009.
KOMITE KEBIJAKAN KREDIT CREDIT POLICY COMMITTEE
KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE
ALCO ASSET LIABILITY COMMITTEE
DEWAN PENGAWAS SYARIAH
SHARIA SuPERvISORy BOARD
DIREKTUR KEUANGAN
FINANCE DIRECTOR
GRUP TRESURI
TREASURY GROUP
GRUP SUPERVISI KREDIT
CREDIT SUPERVISORY GROUP
GRUP PENGENDALIAN KEUANGAN ANGGARAN
FINANCIAL BUDGET CONTROL GROUP
348
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GIRO Giro Rupiah dan Dolar
DEPOSITO Deposito Berjangka Rupiah dan Dolar
TABUNGAN tabungan Simpeda AtM Bersama
tabungan Monas AtM Bersama KREDIT
Kredit Investasi Kredit Modal Kerja
Kredit Bangun Karya Kredit Sindikasi
Kredit usaha Kecil Kredit KuMK Monas
Kredit Multiguna KMg Kredit griya Monas
Kredit Rumah KPRS RSS Bersubsidi
GERAI PAJAK SAMSAT DRIVE THRU
KPP PRATAMA BPD NET ONLINE
LAYANAN TRANSAKSI DALAM NEGERI Fasilitas perbankan untuk transaksi dalam negeri seperti:
- Kiriman uang Ku
- Inkaso
- Surat Keterangan Bank SKB
- Jaminan Bank Bank garansi
- Pembayaran gaji Pegawai Pemerintah Provinsi DKI
Jakarta -
Penerimaan Pembayaran Pajak Bumi dan Bangunan PBB -
Pajak-pajak non Import dan Retribusi Daerah -
Pembayaran Rekening Tagihan Air melalui Aetra dan Palyja -
Pembayaran Rekening listrik -
Pembayaran tagihan telpon Rumah telkom, Flexi, telkom vision, Speedy, Kartu Matrix Satelindo, Kartu
Halo telkomsel, dan Pembelian pulsa handphone kartu prabayar Satelindo dan telkomsel
Produk dan Jasa
Products and Services
Produk dan Jasa
Bank DKI
DEMAND DEPOSIT Rupiah and Dollar
DEPOSITS Rupiah and Dollar timed Deposit
SAVINGS Simpeda Savings AtM Bersama
Monas Savings AtM Bersama LOANS
Investment loans Working Capital loans
Construction loan Syndicated Loan
Small Business loans Monas SME loans
Multipurpose loans griya Monas loan Mortgage and Housing loan
Subsidised Housing loans KPRS RSS
TAX PAYMENT SAMSAT DRIVE THRU
KPP PRATAMA BPD NET ONLINE
DOMESTIC TRANSACTION SERVICES Banking facilities for domestic transactions such as:
- Money transfers Ku
- Collection
- Bank Reference SKB
- Bank Guarantee
- Salary Payment of DKI Jakarta Provincial Government
Employees -
Property Tax Payment -
Non Import Tax and Regional Retribution -
TPJ and Palyja Water Payment -
Electric Payment -
Home telephone, Flexi, telkom vision, Speedy, Satelindo Matrix gSM Card, telkomsel Halo Card, Pro
Xl, Fren, Esia, three Payment
Products and Services
Bank DKI
Laporan Tahunan 2009 Annual Report
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LAYANAN TRANSAKSI LUAR NEGERI layanan untuk kemudahan kegiatan bisnis di luar negeri, antara
lain: -
Pembukaan Letter of Credit lC
- Pembiayaan Kredit EksporImpor
- Incoming and Outgoing Transfer
- Inward and Outward Collection
- Money Charger and Traveler’s Cheque
- Western Union
, dan -
transaksi luar negeri lainnya LAYANAN KARTU
- Kartu ATM Bank DKI yang tergabung dalam
AtM Bersama yang dapat diakses di lebih dari 14.000 mesin AtM diseluruh Indonesia.
- JakCard, Kartu multifungsi sebagai alat pembayaran
Busway .
- Debit DKI, memudahkan semua transaksi nasabah.
Produk dan Jasa
Bank DKI SYARIAH
PRODUK DANA Berupa giro iB, Deposito iB, tabungan iB Simpeda, tabungan iB
taharoh, dan Wakaf uang. PRODUK PEMBIAYAAN
terdiri dari Pembiayaan iB Multiguna, Pembiayaan iB Modal Kerja, Pembiayaan iB Investasi, KPR iB DKI Syariah.
INTERNATIONAL TRANSACTION SERVICES International business transaction conveniences such as:
- Letter of Credit
lC -
EksportImport Financing -
Incoming and Outgoing transfer -
Inward and Outward Collection -
Money Charger and traveler’s Cheque -
Western union, and -
Other International transactions CARD SERVICES
- Bank DKI AtM card is part of the AtM Bersama network
that can be accessed from over 14.000 AtM units in Indonesia.
- JakCard, a multifunction card used for Busway payment.
- Debit DKI, customer will increasingly feel the ease of
transactions.
Product and Services
Bank DKI SYARIAH
FUND PRODUCT In the form of iB Demand Deposit, iB Deposit, iB Simpeda
Saving, iB taharoh Saving, and Endowment Wakaf. FINANCINGS
Such as inancing of iB Multi-Purpose Financing, iB Work Capital Financing, iB Investment Financing, iB KPR DKI Syariah.
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KANTOR PUSAT
MAIN BRANCH Jl. Ir. H. Juanda III no. 7 - 9
Jakarta Pusat 10120 Tel.
231 4567 hunting Fax.
351 7660 www.bankdki.co.id
www.bankdkisyariah.co.id KANTOR CABANG
BRANCH OFFICE
Cabang Utama Juanda
Jl. Ir. H. Juanda III no. 7 - 9 Jakarta Pusat 10120
Tel. 231 4567 hunting
Fax. 231 0194, 231 2884
Cabang Utama Balaikota
Jl. Medan Merdeka Selatan No. 8 - 9 Jakarta Pusat 10110
tel. 231 2890, 231 2588,
231 3306, 350 7445 Fax. 231 2891, 344 1504,
350 6447
Bendungan Hilir
Jl. Bendungan Hilir Raya no. 1A Jakarta Pusat 10210
tel. 251 2886 - 87, 251 1988 - 89
Fax. 251 2889, 5795 1768
Cempaka Mas
graha Cempaka Mas Blok C No. 2 - 3
Jl. Letjen Soeprapto No. 1 Jakarta Pusat 14340
tel. 421 4401, 421 4083,
425 0556, 422 3255, 426 5303
Fax. 421 4084
Jatinegara
Ps. Regional Jatinegara Lt. III No. 5 - 7
Jakarta Timur 13310 tel.
280 0979 - 80, 280 1352 - 53, Fax.
280 0981
Kebayoran Baru
Jl. Melawai IX F-4 No. 1 Kebayoran Baru
Jakarta Selatan 12160 tel.
721 0495, 270 0150, 725 5323, 724 5450
Fax. 270 0146, 7278 6376
Permata Hijau
Jl. Arteri Permata Hijau Komp. grand ItC Permata Hijau
Blok Saphire 1 dan 2 Jakarta Selatan 12210
tel. 536 64515, 536 63477,
536 63433 Fax. 536 64516, 536 64519
Matraman
Jl. Matraman Raya No. 138 Jakarta Timur 13150
tel. 280 0829, 858 1360,
858 0092, 858 0073, 280 0834 Fax.
280 00753
Pintu Besar Selatan
Jl. Pintu Besar Selatan no. 90 Jakarta Barat 11180
tel. 260 0838 - 39, 691 2211
Fax. 260 0836, 260 0840
Tanah Abang Jl. Wahid Hasyim no. 212A
Jakarta Pusat 10250 tel.
231 3837, 230 2334, 3989 9626 - 27
Fax. 315 8658, 315 8659
Tanjung Priok
Jl. Anggrek No. 10 - 12 Tanjung Priok
Jakarta Utara 14230 tel.
439 0021, 4393 2846, 4393 4848
Fax. 437 1554
Walikota Jakarta Timur Kantor Walikota Jakarta Timur
Sentra Primer Baru Timur Jl. Dr. Sumarno Pulo Gebang
Jakarta Timur 13950 tel.
4870 2161, 480 1083 Fax. 480 0846, 480 0779
KANTOR CABANG PEMBANTU SUB-BRANCH OFFICE
Abdul Muis
gd. Dinas teknis Jl. Abdul Muis no. 66
Kel. Petojo Selatan, Kec. gambir Jakarta Pusat 10110
tel. 386 5819, 386 5821,
386 5825 Fax.
351 8454
Ancol
Pasar Seni Taman Impian Jaya Ancol
Jakarta Utara 14430 tel.
641 4281, 641 4284 Fax.
641 4270
Bintaro
Bintaro Trade Center Blok B112A - 14
Jl. MH. thamrin Bintaro Tangerang 15224
tel. 745 3351, 745 5223,
745 5233 Fax.
745 3352
Cakung
Komp. RPH Dharma Jaya Jl. Raya Penggilingan
Jakarta Timur 13940 tel.
460 9195, 461 6836, 4682 5273
Fax. 460 9195, 461 6836
Cibubur Times Square Cibubur times Square CtS
Blok B1-12A Jl. Raya transyogi KM 3
Jati Karya Jakasampurna Bekasi 17435
tel.
8430 5333 - 34, 8430 5336 Fax.
8430 5337
Cipulir
Jl. Ciledug Raya No. 20 B - C Kebayoran Lama
Jakarta Selatan 12230 Tel.
270 0151 - 52 Fax.
739 9317
Daan Mogot
Gd. Dipenda Jakarta Barat Jl. Daan Mogot Km. 13
Jakarta Barat 11730 tel.
5439 9496, 5439 9398 Fax.
5439 9498
Glodok
Pertokoan Glodok City Lt. 2 Blok Al 02 Bks 040
Jl. Medan Glodok Jakarta Barat 11120
Tel. 633 6170 - 72
Fax. 633 6173
Gunadarma
Jl. Akses uI Kampus g Univ. Gunadarma
Kelapa Dua, Depok 16951 tel.
871 0548, 872 8282, 872 8181
Fax. 8771 6368
Gunung Sahari
gd. Dinas teknis DKI lt. 1 Jl. Gunung Sahari Raya No. 11
Jakarta Pusat 10720 tel.
260 0846 - 47, 260 0849 6220 1971-72
Fax. 260 0848
Jatibaru
Komplek Dinas teknis PemProv DKI Jl. Taman Jatibaru I No. 4
Jakarta Pusat 10150 tel.
350 1462, 3483 1284, 350 1459
Fax. 344 2688
Kalimalang
Jl. Pahlawan Revolusi no. 24B Pondok Bambu Kec. Duren Sawit
Jakarta Timur 13430 tel.
862 3682, 8660 3608, 862 9170
Fax. 862 3683
Klender
Jl. Raya Bekasi Km. 18 Jakarta Timur 13250
tel. 4683 4942, 4683 4944 - 45
Fax. 460 1986
Kramat Jati
PD. Ps. Jaya Kramat Jati Blok A No. 22
Jl. Raya Bogor Km. 20 Jakarta Timur 13710
tel. 809 3743, 800 8663,
8087 9052 Fax.
809 6661
Mangga Besar Krekot
Jl. Mangga Besar vIII no. 12 - 0 Jakarta Barat 11150
Tel. 260 0841 - 44
Fax. 260 0845
Pamulang universitas Pamulang gedung B
Jl. Surya Kencana No. 1 Pamulang Barat
Tangerang Selatan 15417 tel.
749 0704, 749 0987 749 3207, 749 1839
Fax. 749 0918
Panglima Polim Jl. Panglima Polim Raya No. 27
Kebayoran Baru Jakarta Selatan 12160
tel. 7279 3467, 7279 3469
725 8286 Fax.
723 3142
Pasar Induk Kramat Jati Pasar Induk Kramat Jati
Blok D2 No. 01 dan 02 Jl. Raya Bogor KM 17
Jakarta Timur 13540 tel.
877 88261-63, 877 88305 Fax.
877 88606
Alamat Kantor Cabang
Branch Ofices Address
: bisa melayani Perbankan Syariah able to provide a Sharia Banking Services
Laporan Tahunan 2009 Annual Report
351
Pluit
Ruko Sentra Bisnis Blok A 18 No. 28
Jl. Pluit Sakti Raya Jakarta Utara 14450
tel. 661 2443, 661 0417,
666 97001 Fax.
661 2442
Pondok Labu
Jl. Raya Pondok Labu No. 59 Pondok Labu Cilandak
Jakarta Selatan 12450 tel.
750 1858, 766 0251 - 52 Fax.
765 7184
Samsat Gunung Sahari
gd. Bersama Dipenda Samsat Wilayah Jakarta utara Pusat
Jl. Gn. Sahari Raya No. 13 Jakarta Utara 14420
tel. 6470 2812 - 16, 6470 2809
Fax. 6470 2813
Samsat Polda
• gd. Bersama Samsat Polda Metro Jaya • gedung Pujasera Polda Metro Jaya
Jl. Gatot Subroto No. 2 Jakarta Selatan 12190
tel. 252 3359, 522 8358
523 4490 Fax.
251 2890
Senen
Komp. Ruko Segitiga Atrium Senen Blok E18
Jakarta Pusat 10410 tel.
231 3145, 351 1569, 386 0218
Fax. 231 3365
Sudirman
Wisma nugra Santana ground Floor Jl. Jend. Sudirman Kav. 7 - 8
Jakarta Pusat 10220 Tel.
570 0132 - 34 Fax.
570 0022
Tebet Barat
Jl. tebet Barat Dalam Raya no. 94 gH Jakarta Selatan 12810
tel. 830 2111, 830 1059,
829 9326 Fax.
830 2112
Trunojoyo
Jl. Trunojoyo No. 1 Kebayoran Baru
Jakarta Selatan 12110 tel.
722 5917, 720 5511, 726 9003
Fax. 720 5511
Walikotamadya Jakarta Barat
Gd. Walikota Jakarta Barat Jl. Raya Puri Kembangan No. 2
Jakarta Barat 11610 tel.
582 1763 - 64, 581 5005, 581 6790, 580 7024
Fax. 582 1764
Walikotamadya Jakarta Pusat
Kantor Walikota Jakarta Pusat Jl. Tanah Abang I No. 1
Jakarta Pusat 10160 tel.
344 1289, 352 1460, 345 1079
Fax. 352 1229
Walikotamadya Jakarta Selatan Prapanca
Gd. Walikotama Jakarta Selatan Jl. Prapanca Raya No. 9
Kebayoran Baru Jakarta Selatan 12170
tel. 7278 8117 - 18, 7278 8121
Fax. 7278 6639
Walikotamadya Jakarta Utara Yos Sudarso
Jl. yos Sudarso no. 27 - 29 Tanjung Priok
Jakarta Utara 14310 tel.
430 2400, 437 0516 Fax.
430 9244 KANTOR KAS
CASH OFFICE
Badan Kepegawaian Nasional Kantor Badan Kepegawaian Negara
Batu tulis Jl. Letjen Sutoyo No. 12
Tel. 808 88287-88
Fax. 430 9244
Batu Tulis Jl. Batu tulis Raya no. 53 - 55
Jakarta Pusat tel.
351 6973, 386 5477 Fax.
386 5477
Cut Mutia KPP Pratama Jakarta Menteng 1
Jl. Cut Mutia no. 7 Menteng, Jakarta Pusat 10350
Tel. 390 6588
Fax. 390 6588
Dinas Catatan Sipil Ktr. Dinas Kependudukan dan Capil
Jl. S. Parman No. 7 Jakarta Barat
Tel. 564 2808
Fax. 564 2808
Dinas Kebersihan Jl. Mandala v no.67, Cililitan Besar
Jakarta Timur 13640 Tel.
809 6925 Fax.
809 6925
Duri Kosambi KP PBB Jakarta Barat 2
Jl. Duri Kosambi no. 36-37 Jakarta Barat 11750
Tel. 5436 5517
Fax. 5436 5517
Garuda Maintenance Facility GMF Bandara Soekarno Hatta Cengkareng
Jakarta Barat Tel.
550 8736 Fax.
550 0552
Gelora Bung Karno Gedung KONI
Jl. Pintu I Gelora Senayan Jakarta Pusat 10270
Tel. 573 1750
Fax. 573 1750
Gerai Pajak Pondok Indah Mall Pondok Indah Mall 2 South Sky Walk
Jl. Metro Pondok Indah Jakarta Selatan
Tel. 759 20616-17
Fax. 759 20620
Gerai Pajak Senayan City Senayan City Shop Unit No.6-12
Jl. Asia Afrika, Jakarta Pusat tel.
727 81496, 727 81497 Fax.
727 81576
Gunung Sahari KPP Pratama Jakarta Sawah Besar 2
Gambir 1 Gedung PROBES
Jl. Gunung Sahari Raya No. 25 ABC Jakarta Pusat
tel.
6231 7354, 6231 7355 Fax.
6231 7355
Hasyim Ashari KPP Pratama Jakarta Gambir 2 3
Jl. KH Hasyim Ashari no. 6 - 12 Jakarta Pusat
Tel. 633 9323
JITC Kemayoran gedung JtC lt. Dasar Kemayoran
Jakarta Pusat Tel.
421 6144 Fax.
2664 5231
Johar Baru gd. Pusat Pasar Ikan Hias
Jl. Percetakan negara II, Johar baru Jakarta Pusat 10560
tel. 422 6431, 4287 4559
Fax. 422 6431
Kartini KPP Sawah Besar 1 2
Jl. Kartini VIII No. 2 Jakarta Pusat
tel. 624 0959, 6231 7352
Fax. 6231 7357
Kawasan Berikat Nusantara Kawasan Berikat nusantara,
Jl. Raya Cakung Cilincing, tanjung Priok Jakarta Utara
tel. 4832 383, 4832 484
Fax. 4832 533
KPP Pratama Jakarta Menteng II Gedung KPP Pratama Jakarta Menteng II Jl.
M.I. Ridwan Rais no.5 – 7 Jakarta Pusat tel.
351 2660, 351 2661 Fax.
351 2660
KPP Pratama Jakarta Pasar Rebo Ciracas KP PBB Jakarta Timur II
Jl. Raya Bogor no 46 Ciracas Jakarta Timur 13830
Tel. 8778 1221
Fax. 8778 1222
KPP Pratama Jakarta Tanah Abang I Penjernihan
Gedung KPP Pratama Jakarta Tanah Abang 1
Jl. Penjernihan 1 No. 36 Jakarta Pusat 10430
Tel.
7064 2371 570 4414 Fax.
570 4414
KPP Pratama Setiabudi 3 Pancoran Jl. Raya Pasar Minggu no.11
Jakarta Selatan 12780 Tel.
7919 5456
Kramat Gd. KPP Pratama Jakarta Senen
Jl. Kramat Raya No. 136 Jakarta Pusat 10430
tel. 391 8060, 391 8062
Fax. 391 8060
KS Tubun Kantor Pelayanan Pemakaman
DKI Jakarta Jl. Aipda KS. Tubun No. 1
Jakarta Pusat 12960 tel.
533 0376, 530 1135 Fax.
533 0376
Kwini Jl. Kwini No. 7
Kel. Senen, Kec. Senen Jakarta Pusat
Tel. 3483 2055
Fax. 3483 2055
Lodan KP PBB Jakarta utara I Pluit
Jl. Lodan No. 3 Ancol Jakarta Utara
Tel. 690 0771 ext 101
Mas Mansyur Jl. KH. Mas Mansyur no. 71
Jakarta Pusat 10230 tel.
390 1107, 390 1083 Fax.
390 3252
Matraman Jl. Matraman Raya No. 43
Jakarta Timur 13140 Tel.
8590 5328 Fax.
8590 5328
Kecamatan Pesanggrahan Jl. Raya Pesanggrahan Raya no. 2
Jakarta Selatan 12320 Tel.
7388 3446 Fax.
7369 0874
352
Laporan Tahunan 2009 Annual Report Nyi Ageng Serang
Gedung Nyi Ageng Serang Jl. HR. Rasuna Said Kav. C no. 22
Kuningan, Jakarta Selatan 12950 tel.
526 3304, 526 3306 Fax.
526 3306
PAM Jaya Gd. PAM Jaya
Jl. Penjernihan II, Pejompongan Jakarta Pusat 10210
Tel. 570 9417
Fax. 574 3472
Pasar Koja Proyek Pasar Koja Baru Blok A
LOS CKS No. 33 - 38 Jakarta Utara 14260
Tel. 4393 7884
Pasar Cempaka Putih Pertokoan Pasar Cempaka Putih
Jl. Letjen Soeprapto Kav. 16 Jakarta Pusat 10520
Tel. 4280 1450
Fax. 4280 1450
Pasar Cengkareng A.l01 AKS 15 s.d 20
AKS s.d 60 Pasar Cengkareng lt. 1
Cengkareng Timur Jakarta Barat 11730
Tel.
5437 3744 Fax.
5437 3747
Pasar Cibubur Jl. Cibubur Raya lap. tembak
Pasar Jaya Cibubur lt. 1 no. AKS006 Jakarta Timur 13720
tel. 8770 9836, 8770 9847
Fax. 8770 9907
Pasar Kebayoran Lama Jl. Kramat Proyek Pasar
Kebayoran Lama Jakarta Selatan 12240
Tel. 270 0147
Fax. 270 0149
Pasar Palmerah Jl. Palmerah Barat
PD. Ps. Jaya Palmerah Lt. 1 Blok AA
Jakarta Pusat 10270 Tel.
530 0942 Fax.
530 0942
Pasar Santa lt. Dasar Blok A no. 22 - 24
Jl. Cipaku I, Kebayoran Baru Jakarta Selatan 12170
tel. 7278 4213, 7278 4214
Fax. 7278 4214
Pasar Slipi Jl. Anggrek Garuda Slipi
Ps. Jaya Slipi lt. Dasar Jakarta Barat 11600
Tel. 536 3966
Fax. 536 3966
Pasar Tanah Abang Ps. tanah Abang Blok A lt. 9
Jakarta Pusat 10250 tel.
230 2358, 3193 8105 Fax.
230 2358
PIK Pulogadung Business Centre
Perkampungan Industri Kecil PIK Pulo gadung, lantai 1 Blok B1
Jl. Raya Penggilingan Jakarta Timur 13940
Tel.
4680 4524 Fax.
4680 4525
PLN Ciputat Jl. R. E. Martadinata Km. 27
Ciputat, tangerang Tel.
7470 1632 Fax.
7470 1684
PLN Duren Tiga Jl. Duren Tiga
Jakarta Selatan 12760 Tel.
7918 3547 Fax.
7918 3547
Pondok Karya Pembangunan - Jakarta Islamic School
Jakarta Islamic School Jl. Raya Pondok Karya Pembangunan
Kelapa Dua Wetan Ciracas Jakarta Timur 13730
Tel.
8770 2851 Fax.
8770 4326
Pondok Pinang KP PBB Jakarta Selatan II
Jl. Ciputat Raya No. 2 Jakarta Selatan
Tel. 7581 8842
Pulau Pramuka Pulau Pramuka - Gedung Kabupaten
Kepulauan Seribu 14530 Tel.
7079 2157 Fax.
7058 3359
RSUD Cengkareng Jl. Kamal Raya Cengkareng
Bumi Cengkareng Indah Cengkareng Timur 11730
Tel. 5437 4574
Fax. 5437 4573
RSUD Koja Jl. Deli No. 4
Jakarta Utara 14230 Tel.
435 8569 Fax.
435 8569
Samsat Timur Jl. DI Panjaitan No. 5
Jakarta Timur 13340 Tel.
8590 2448 Fax.
856 0316
Sudin Pekerjaan Umum Sudin PU Jakarta Timur
Jl. Raya Jatinegara Barat 142 Jakarta Timur 13320
Tel. 819 9858
Fax. 819 9858
TPI Muara Baru Tempat Pelelangan Ikan Muara Baru
Jl. Muara Baru Ujung Penjaringan Jakarta Utara 14440
Tel. 662 4670
Universitas Gunadarma Kalimalang Kampus J universitas Kalimalang
Jl. KH noer Ali Kalimalang 17145 tel.
886 7963, 886 8214 Fax.
886 8041
Universitas Gunadarma Margonda Jl. Margonda Raya No. 100
Depok 16424 Tel.
7721 2768 - 70 Fax.
7721 2770
Universitas Gunadarma Salemba Jl. Salemba Raya No. 53
Jakarta Pusat 10440 tel.
392 7074, 390 8568 Fax.
392 7072
Universitas Trisakti universitas trisakti gedung K
Jl. Kyai Tapa No. 1 Jakarta Barat
Tel. 5694 3061 - 62
Fax. 5694 3060
Waduk Melati gd. uKM SME’s Co Center
Jl. KH. Mas Mansyur Jakarta Pusat 10230
Tel. 3199 1173
Fax. 3199 1173
KANTOR KAS KECAMATAN DISTRICT CASHIER OFFICE
Kec. Cakung Jl. Raya Bekasi Km. 23, Cakung
Jakarta Timur 13910 Tel.
461 9550 Fax. 461 9550
Kec. Cempaka Putih Jl. Rawasari Selatan I
Blk Ps. Rawa Kerbau Jakarta Pusat 10510
tel. 4287 7264, 4287 4549
Fax. 4287 7264
Kec. Cilandak Jl. KH. Muhasyim Raya no. 1
Jakarta Selatan 12430 Tel.
7590 0101 Fax.
7590 0101
Kec. Cilincing Jl. Sungai Landak No. 7
Jakarta Utara 14120 tel.
440 2855, 4483 4323
Kec. Grogol Petamburan Jl. Tanjung Duren Barat IV2
Jakarta Barat tel.
564 2855, 4483 4323
Kec. Jagakarsa Jl. Sirsak no. 2, Jagakarsa
Jakarta Selatan 12620 tel.
7888 2772, 7888 2210 Fax.
7888 2772
Kec. Jatinegara Jl. Kebon nanas Raya
Jakarta Timur 13410 Tel.
819 6714 Fax.
819 6714
Kec. Kalideres Jl. Peta Utara No. 26
Kel. Pegadungan Jakarta Barat 11830
Tel. 5439 9001
Fax. 5439 9002
Kec. Kebayoran Baru Jl. Kerinci IX Blok E1
Jakarta Selatan 12120 Tel.
722 7104 Fax.
722 7104
Kec. Kebayoran Lama Jl. Ciputat Raya No. 5
Jakarta Selatan 12240 Tel.
729 1533 Fax.
729 4184
Kec. Kebon Jeruk Jl. Raya Kebon Jeruk No. 1
Jakarta Barat 11530 Tel.
535 9659 Fax.
535 9606
Kec. Kelapa Gading Jl. Raya Boulevard Timur No. 1
Jakarta Utara 14240 Tel.
4584 0294 Fax.
4584 0294
Kec. Kramatjati Jl. Raya Bogor Km. 20
Kramat Jati Jakarta Timur 13510
Tel. 809 6942
Kec. Matraman Jl. Balai Rakyat, utan Kayu utara
Jakarta Timur 13120 Tel.
851 5381 Fax.
8590 5701
Kec. Pancoran Jl. Pengadegan Timur II2
Jakarta Selatan 12770 Tel.
7919 5670 Fax.
7919 5670
Kec. Pasar Minggu Jl. Raya Ragunan No. 1
Ps. Minggu Jakarta Selatan 12540
Tel. 782 9628
Fax. 782 9628
Kec. Pasar Rebo Jl. Raya Bogor Km. 27
Kel. Pekayon, Kec. Pasar Rebo Jakarta Timur 13770
Tel. 8770 7004
Fax. 8771 2229
Kec. Pesanggrahan Jl. Raya Pesanggrahan Raya no. 2
Jakarta Selatan 12320 Tel.
7388 3446 Fax.
7369 0874
: bisa melayani Perbankan Syariah able to provide a Sharia Banking Services
Laporan Tahunan 2009 Annual Report
353
Kec. Tambora Jl. PTB Angke Raya Jembatan II
Jakarta 11330 Tel.
6385 1646 Fax.
6386 6643
Kec. Tanah Abang Jl. KH. Mas Mansyur no. 130
Jakarta Pusat 10230 tel.
392 6504, 392 6507 Fax.
392 6504
Kec. Tebet Jl. Dr. Supomo no. 16, tebet
Jakarta Selatan 12810 Tel.
830 0273. 830 0258 Fax.
830 0258 KANTOR PEMBAYARAN
PAYMENT OFFICE
Cempaka KPP Jakarta Pademangan
Jl. Cempaka no. 2, tanjung Priok Jakarta Utara 14310
Tel. 437 1505
Gajah Mada KPP Taman Sari 2
Jl. Gajah Mada 149 ABC Jakarta Barat
Grogol Petamburan graha Sucofindo
Jl. Letjen S. Parman Kav. 102 Jakarta Barat
Kebon Jeruk KPP Kebon Jeruk 1
Jl. Arjuna Selatan No. 1 Kebun Jeruk
Jakarta Barat 11530 Tel.
535 5761-68 Fax.
535 5760
Kelapa Gading KPP Jakarta Sunter
Jl. Walang Baru no. 10, Semper Jakarta Utara 14260
Tel. 4393 2775-76
KPP Cakung 1 Jl. Pulo Buaran 6 Blok JJ No. 11
Kawasan Industri Pulo gadung Jakarta 13930
KPP Cengkareng Jl. Lingkar Luar Barat No. 10A
Cengkareng Timur Jakarta Barat 11730
KPP Pratama Cilandak Gedung KPP Pratama Jakarta
Cilandak Jl. TB Simatupang Kav. 32
Jakarta Selatan 12560 Tel.
9130 9542
KPP Pratama Jatinegara Slamet Riyadi
KPP Pratama Jatinegara Jl.Slamet Riyadi No. 01
Jakarta Timur 13150 Tel.
851 2989 Fax.
851 2927
KPP Pratama Kebayoran Baru 1 Gedung KPP Pratama Jakarta
Kebayoran Baru Satu Jl. Jend. Sudirman Kav 56
Jakarta Selatan 12190 Tel.
9796 1026
KPP Pratama Kebayoran Baru 3 Ahmad Dahlan
Gedung KPP Pratama Jakarta Kebayoran Baru 3 Jl. KH Ahmad
Dahlan No. 14 A Kebayoran Baru Jakarta 12130
Tel.
3395 2365
KPP Pratama Kebayoran Lama Gedung KPP Pratama Jakarta
Kebayoran Lama Jl. Ciledug Raya No.65
Jakarta Selatan 12230 Tel.
586 0785
KPP Pratama Kemayoran Jl.Merpati raya B 12 N0. 6 Kota
Baru Kemayoran Jakarta Pusat
KPP Pratama Kembangan Jl.Arjuna Utara No 87 Kebon Jeruk
Jakarta Barat 11530 Tel.
5695 9002
KPP Pratama Kramat Jati Dewi Sartika
PP Kramat Jati Jl.Dewi Sartika No. 189 A
Jakarta 13630
KPP Pratama Koja Semper KPP Pratama Jakarta Koja
Jl. Raya Plumpang Semper No. 10A Jakarta Utara 14320
Tel. 4393 2760
KPP Pratama Mampang Prapatan
Gedung KPP Pratama Jakarta Mampang Prapatan
Jl. Raya Pasar Minggu no. 1 Jakarta Selatan 12780
Tel.
9130 7438
KPP Pratama Pancoran KPP Pratama Pancoran
Jl. TB Simatupang Kav. V Kebagusan, Jakarta Selatan
Tel. 9126 9053
KPP Pratama Pasar Minggu Gedung KPP Pratama Jakarta
Pasar Minggu Jl. TB. Simatupang No. 39
Jakarta Selatan 12510 Tel.
9856 9893
KPP Pratama Setiabudi 1 Gedung KPP Pratama Jakarta
Setiabudi Satu Jl. HR. Rasuna Said Blok B Kav.8
Jakarta Selatan 12910 Tel.
525 3632
KPP Pratama Setiabudi 2 Gedung KPP Pratama Jakarta
Setiabudi Satu Jl. HR. Rasuna Said Blok B Kav.8,
Jakarta Selatan 12910 Tel.
9826 8534
KPP Pratama Tambora Jl. Kali Besar Barat no. 14 - 15
Jakarta Barat 11230
KPP Pratama Tanjung Priok Enggano
KPP Pratama Tanjung Priok Jl.Enggano No 2 Jakarta Utara
14310
KPP Pratama Tebet gedung KPP Pratama Jakarta, tebet
Jl. Tebet Raya No.09 Jakarta Selatan 12820
Tel. 9130 9541
KS. Tubun KPP Kebon Jeruk II
Jl. KS. Tubun 10 Jakarta 11450
Tel. 564 3627
Fax. 565 5220
Mangga Besar KPP Taman Sari 1
Jl. Mangga Besar no. 52 Jakarta Barat 11150
Palmerah Jl. Letjen S. Parman Kav. 99
Jakarta Barat 11410 Tel.
566 5681 Fax.
563 4550
Penjaringan Jl. Lada No. 3
Jakarta Barat 11110
Sunter Jl. Walang Baru No. 10
Semper Jakarta Utara 14260
Tel. 4393 2775-76
Walikota Jakarta Utara Jl. yos Sudarso no. 27-29
Jakarta Utara Tel.
430 1124 ext. 5485
Cabang Pembantu Syariah Matraman
Jl. Matraman Raya No. 54 Jakarta Timur 13150
Tel. 85908121
Fax. 85908131
Kantor Cabang Pembantu Syariah Margonda
Jl. Margonda Raya no. 22 A-B, Depok 16423
tel. 7721 7425-26, 7721 7395-96
Fax. 7721 7397
Kantor Cabang Pembantu Syariah Bekasi
Komplek Pertokoan Bekasi Mas Blok D8
Jl. Ahmad Yani Bekasi Selatan 17141
tel. 8885 4339, 8895 9539 Fax. 8895 9025
Kantor Kas Syariah Cibubur Cibubur town Square
No. B1 - 12A Jl. Raya transyogi KM 3, Jati Karya
Jakasampurna, Bekasi 17435 Tel.
8430 5335 Fax.
8430 5335
Kantor Kas Syariah Johar Baru Jl. Percetakan negara II, Johar Baru
Jakarta Pusat 10560 Tel.
422 6494 Fax.
4287 4556
Kantor Kas Syariah Panglima Polim
Jl. Panglima Polim Raya No. 27 Kebayoran Baru
Jakarta Selatan 12130 Tel.
7279 3136 Fax.
723 3142
Kantor Kas Syariah RS Annisa Cikarang
Jl. Cikarang Baru No. 31 Kecamatan Cikarang Utara
Bekasi 17836 tel.
8910 7873, 8910 7542 Fax.
8910 7681
Kantor Kas Syariah Walikotamadya
Jakarta Timur Gedung Walikotamadya
Jakarta Timur Jl. Sentra Primer Baru, Pulo gebang
Jakarta Timur 13950 Tel.
480 1354 Fax.
480 1354
Kantor Kas Syariah Walikotamadya
Jakarta Utara Jl. yos Sudarso no. 27 - 29
Tanjung Priok Jakarta Utara 14310
Tel.
4393 0363 Fax.
430 2401 BANK DKI SYARIAH
BANK DKI SHARIA
Cabang Syariah Wahid Hasyim Jl. Wahid Hasyim no. 153
Tanah Abang Jakarta Pusat 10240
tel. 390 9706 , 390 1466
390 1340 Fax.
390 2415
Cabang Syariah Pondok Indah Jl. Iskandar Muda no.17 A-B
Jakarta Selatan 12240 Tel.
72780460 hunting Fax. 72780464
354
Laporan Tahunan 2009 Annual Report